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Insurance Liability

Report
Improving the Availability and Affordability of Pandemic Risk Insurance: Projected Performance of Proposed Programs
This report evaluates and models proposals for an insurance-based program to provide businesses with resources to maintain payroll and benefits and cover ongoing operating expenses during a pandemic.
Jun 15, 2021
Journal Article
Does It Matter Who Pays for Auto Injuries?
In many states, auto insurers rather than health insurers pay for a substantial fraction of the medical care following auto crashes.
Dec 11, 2020
Commentary
Can Workers' Compensation Help Businesses Reopen More Safely?
Workers' compensation typically does not cover common infectious diseases like COVID-19. But in the fight against the pandemic, state policymakers might take a fresh look at aspects of labor and business regulation that usually fade into the background and ask if modest changes hold any potential to reduce disease transmission.
Sep 9, 2020
Commentary
Key Questions to Ask in Designing a Pandemic Risk Insurance Program
Congress is considering establishing an insurance program that would make business interruption coverage for pandemics less expensive and more widely available. We have identified several key questions that policymakers could consider when designing a pandemic risk insurance program.
Jul 27, 2020
Commentary
Tapping Business Interruption Insurance Coverage to Assist Small Business During the Pandemic
Legislation has been introduced in several states that would require insurers to cover business interruption losses due to the COVID-19 outbreak. What are the advantages and disadvantages of such a law? If policymakers were to proceed with such an approach, then what design considerations should they keep in mind?
Apr 10, 2020
Journal Article
Medicaid Coverage Expansions and Liability Insurance
This article offers some of the first rigorous evidence regarding the impacts of health coverage expansions targeting the low-income population on use of the tort system, as proxied by insurance payouts.
Jan 14, 2020
Commentary
Allocating Costs for California Wildfires
Wildfires in California have caused and will likely continue to cause substantial losses for residents, businesses, and government agencies. It is important to distribute these losses in a manner that provides incentives to reduce their magnitude over time.
Jul 24, 2019
Report
Rethinking Insurance and Liability in the Transformative Age of Autonomous Vehicles
What are the challenges and opportunities for the automobile insurance industry as autonomous vehicle technology becomes widely deployed? This workshop brought together industry stakeholders, regulators, and consumer representatives to focus on the implications of AV technology for insurance and liability regimes.
Jun 8, 2018
Commentary
Tax Reform Could Raise Car Insurance Rates
The new tax law eliminates the individual mandate. When this repeal takes effect in 2019, millions more Americans are expected to go without health insurance. Auto insurers will likely pick up the tab for some of that population's medical care. That could raise car insurance premiums.
Feb 4, 2018
Report
Assigning Responsibility Following a Catastrophe: Alternatives to Relying Solely on Traditional Civil Litigation
This report reviews various alternatives to relying exclusively on traditional civil litigation to assign responsibility for the human causes of a catastrophe and to determine the types of losses that a designated responsible party must reimburse.
Nov 28, 2017
Research Brief
The Impact of the Affordable Care Act on Liability Insurance
Summarizes a report that identifies potential mechanisms through which health care reform might affect claim costs for several major types of liability coverage, especially auto insurance, workers’ compensation coverage, and medical malpractice.
Apr 9, 2014
Report
ACA Could Change Costs of Auto, Malpractice, and Other Liability Insurance
As more Americans become newly covered under the Affordable Care Act, the cost of providing automobile insurance, workers compensation, and homeowners insurance may decline. Meanwhile, an increase in the number of people using the health care system may trigger a corresponding increase in the number of medical malpractice claims.
Apr 9, 2014
News Release
Affordable Care Act Could Change Costs for Auto, Malpractice, Other Liability Insurance
As more Americans become newly covered under the ACA, the cost of providing automobile insurance, workers compensation, and homeowners insurance may decline. But an increase in the number of people using the health care system may trigger an increase in the number of medical malpractice claims.
Apr 9, 2014
Content
Kenneth R. Feinberg Center for Catastrophic Risk Management and Compensation
The RAND Kenneth R. Feinberg Center for Catastrophic Risk Management and Compensation seeks to identify and promote laws, programs, and institutions that reduce the adverse social and economic effects of catastrophes.
Jun 24, 2013
News Release
RAND Corporation, Risk Management Solutions Launch New Company to Develop Liability Insurance Tools
The RAND Corporation, Risk Management Solutions, Inc. (RMS) and private investors have launched a company named Praedicat, Inc., that will provide consulting services and software to the property and casualty insurance industries.
Mar 14, 2012
News Release
Residential Wind, Flood Insurance Markets Still Face Serious Problems 5 Years After Hurricane Katrina
Five years after Hurricane Katrina devastated the Gulf Coast, neither the federal government nor the private sector is any closer to developing effective solutions to the problems facing flood and windstorm insurance.
Oct 20, 2010
Report
Residential Wind, Flood Insurance Markets Still Face Serious Problems 5 Years After Hurricane Katrina
Five years after Hurricane Katrina devastated the Gulf Coast, neither the federal government nor the private sector is any closer to developing effective solutions to the problems facing flood and windstorm insurance.
Oct 8, 2010
Research Brief
Call for Reform in the Residential Insurance Market after Hurricane Katrina
In light of what occurred after Katrina and the other 2004-2005 hurricanes, the authors propose goals for an effective Gulf Coast residential insurance market and highlight policy reforms that warrant consideration for achieving those goals.
Oct 8, 2010
Report
Changes Needed to Reduce Volatility in California's Workers' Compensation Insurance Market
California's workers' compensation insurance market will remain vulnerable to wide swings in performance unless changes are made to improve the predictability of costs, transparency of pricing decisions, regulatory oversight and consistency of the incentives facing different parties.
Dec 7, 2009
Journal Article
Liability Coverage for Regional Health Information Organizations: Lessons from the AHRQ-funded State Regional Demonstration Projects in Health Information Technology and Other Community Efforts
This report will share findings from the field on how eight regional health information organizations (RHIOs) have navigated various issues and challenges associated with liability insurance for health information exchange (HIE).
Jun 1, 2009

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