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accident administrative compensation scheme agency Agent Orange alternative analysis approach appropriate asbestos assessment cancer causation cause claimants collateral source rule consumer expectations test consumers costs court coverage Dalkon Shield defect defendant deterrence disability disease doctors effect employer enterprise environmental example expert exposure fault federal firms funds hazardous substance incentives increase issues jury Kip Viscusi legislative liability insurance limited manufacturer mass tort mass toxics Medical Malpractice negligence no-fault scheme pain and suffering particular patient Paul Weiler plaintiff potential premiums private enforcement problem product liability product safety proposal punitive damages rates rationale recovery regime regulation retributive risk level risk-utility risk-utility test role science panel scientific social standard statute strict liability subrogation substantial Superfund supra note tort claims tort law tort liability tort litigation Tort Reform tort system uncertainty victims Viscusi warning WC benefits Workers Compensation workplace injuries