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The Politics of Automobile Insurance Reform : Ideas, Institutions, and Public Policy in North America - Edward L. Lascher

The Politics of Automobile Insurance Reform

Ideas, Institutions, and Public Policy in North America

Hardcover Published: 21st July 1999
ISBN: 9780878407392
Number Of Pages: 144
For Ages: 22+ years old

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American state and Canadian provincial governments have dealt with rapidly rising auto insurance rates in different ways over the last two decades, a difference many attribute to variances in political pressure exerted by interest groups such as trial attorneys and insurance companies. Edward L. Lascher, Jr., argues that we must consider two additional factors: the importance of politicians' beliefs about the potential success of various solutions and the role of governmental institutions.

Using case studies from both sides of the border, Lascher shows how different explanations of the problem and different political structures affect insurance reform. In his conclusion, Lascher moves beyond auto insurance to draw implications for regulation and policymaking in other areas.

Industry Reviews

This readable and wellreasoned study examines how Canadian provincial and U.S. state levels of government ... have tried in a variety of ways to lessen the extent of significantly increasing rates over the past 20 years. American Political Science Review

Acknowledgmentsp. xi
Introduction: Why We Should Care about the Politics of Automobile Insurance Reformp. 1
The Issue Focus: Automobile Insurance Reformp. 3
The Institutional Focus: Separation of Powers Versus Westminster Systemp. 7
Data Summaryp. 9
Organization of the Bookp. 9
Notesp. 10
Explaining Policy Choices: Pressure versus Ideasp. 12
Pressure Theoryp. 13
The Politics of Ideasp. 17
Assessing the Influence of Pressure and Ideas on Automobile Insurance Reformp. 21
Conclusionp. 22
Notesp. 23
The Profiteering Story and the Pogo Storyp. 24
An Overview of Automobile Insurance Systemsp. 25
What was the Problem?p. 28
Policy Optionsp. 34
Interest Group Positionsp. 38
Two Key Storiesp. 40
Summary of Policy Changesp. 48
Conclusionp. 49
Notesp. 49
Reform Enacted: Pennsylvaniap. 52
Contextp. 53
The Battle Over Insurance Reformp. 55
Explaining Legislative Decisions in Pennsylvaniap. 62
Epilogue: did Act 6 Work?p. 65
Notesp. 71
Reform Stymied: Rhode Islandp. 74
Contextp. 75
The Battle Over Insurance Reformp. 76
Explaining Legislative Decisions: Rhode Island Versus Pennsylvaniap. 81
Conclusionp. 87
Notesp. 88
Different Reform Regimes: Ontariop. 90
Context for the 1989-1990 No-Fault Billp. 92
The Battle Over No-Fault Insurancep. 96
Explaining the Enactment of No Fault Legislationp. 99
Epilogue: the NDP and Public Automobile Insurancep. 102
Notesp. 104
The Parliamentary System Differencep. 106
Loss Imposition and Governmental System Differencesp. 106
The States and the Provinces: Aggregate Analysisp. 108
Mini--Case Studies: Manitoba, Saskatchewan, and Hawaiip. 111
Alternative Explanationsp. 115
Notesp. 117
Conclusion: Learning from Automobile Insurance Reformp. 120
Beyond Automobile Insurance Reformp. 122
Conclusionp. 124
Notesp. 125
Notes on Data Sourcesp. 127
Aggregate Datap. 127
Surveysp. 128
Case Studiesp. 128
Referencesp. 131
Indexp. 139
Table of Contents provided by Syndetics. All Rights Reserved.

ISBN: 9780878407392
ISBN-10: 0878407391
Series: American Governance and Public Policy
Audience: Professional
For Ages: 22+ years old
Format: Hardcover
Language: English
Number Of Pages: 144
Published: 21st July 1999
Country of Publication: US
Dimensions (cm): 23.77 x 15.77  x 1.98
Weight (kg): 0.36