The Deterrent Effects of Automobile Insurance and Tort Law: A Survey of the Empirical Literature

One of the central issues in the debate concerning no-fault insurance is the question of whether tort damages can deter accidents. Although a large, scientific literature exists which could cast light on this question, the participants in the debate have made little reference to that literature. In an attempt to rectify this omission, the following paper surveys a large segment of the statistical results, and comments on the implications which those results have for the no- fault debate.