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ask and offer assumptions Attorney award amount award at verdict behavior claim frequency claims closed coefficients Coherency Conditions collateral source collateral source rule compensable damages contingent fees correlation cost of litigation costs of going court delay covariance damnum Danzon distribution of dollar dollar payout dropped without payment effect elasticity equation estimates imply evidence full sample going to verdict Institute for Civil instrumental variable liability likelihood function Lillard litigated to verdict Mean Verdict Medical Malpractice Claims minimum ask multiple defendants negligence Number of Defendants observed outcome parameter estimates percent plaintiff wins plaintiffs probability potential award potential settlement potential verdict presuit Probability of drop Probability of settle probability of winning probit model propensity Rand Corporation reduced-form Regime regression residual selection bias sequential probit settlement amount stage of disposition standard Table tion tort reforms tried to verdict United Auto Workers variables win at verdict zero zero-order restrictions