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a a a a amount of loss amount of payment amount paid analysis auto accident victims automobile insurance coefficients comparative negligence consumer panel data days missed driver driver's auto insurance economic loss employer estimates extent of injury F-test first-party frequent group health insurance H 4J insurance source Intercept liability insurance logistic regression loss and payment loss distribution median medical costs medical expenses medical loss medical payments negligence rules no-fault insurance paid exactly paid less PAYMENT FOR TOTAL payment of wage payment ratio percent percentage of victims personal injury personal injury protection probability of payment question questionnaire Reimbursed responses Single-car accident small losses source pays statistically significant submit a claim survey Table Tort Add-on No-fault total loss sample traffic ticket United Auto Workers victims paid victims were paid wage loss wage payment weekly salary workers