Litigation rates in the United States have long been considered out of proportion with the remainder of the world, leading to a good deal of economic research trying to understand the causes. Much of that literature has focused on lawyer compensation rules and availability of general damage...

Estimates of uninsured drivers in the United States hover around 15 percent (NAII, 1998). With extensive concern about insurance affordability and its effect on economic advancement (Joint Economic Committee, 1998) and with expansion of U.S. compensation systems to other nations, consideration...