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U.S. Department of Transportation U.S. Department of Transportation Icon United States Department of Transportation United States Department of Transportation
OFFICE OF RESEARCH, DEVELOPMENT, AND TECHNOLOGY AT THE TURNER-FAIRBANK HIGHWAY RESEARCH CENTER

No-Fault Insurance and Automobile Accidents

Publication Information

Publication External Link:
Publication Type:
Other
Abstract:

Removing accident liability through a no-fault system may only have minor effects on driver care, yet existing studies assessing whether no-fault auto insurance requirements increase accidents use fatal accidents as the primary outcome. In this paper we estimate the effect of no-fault on overall accident rates using detailed data from police accident reports in New Jersey, North Carolina, and Utah. We focus on accidents involving out-of-state drivers and account for differences in driving prevalence using accidents beyond the control of the driver. Controlling for a wide variety of accident, driver, and vehicle characteristics, we find little evidence that drivers under no-fault cause more accidents. Results on accident severity are mixed.

Publishing Date:
October 2008
FHWA Program(s):
Research
Safety
AMRP Program(s):
Safety Data and Analysis
FHWA Activities:
Highway Safety Information System
Subject Area:
Safety and Human Factors