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15 per cent accident and claim actuarial amount ance assigned risk automobile accident automobile claims automobile insurance average claim cost bad drivers Basic Protection insurance Basic Protection payments Basic Protection plan Basic Protection system Blue Cross Blue Cross-Blue Shield caused cident claim frequency claimants Cobb compulsory insurance law compulsory law contingent fees court cover deductible dollar example fact fault fault insurance financial responsibility law higher Hubbell insurance company insurance coverage insurance industry Jim Crane jury kind law suit lawyers less Massachusetts medical bills medical expenses merit rating negligence claim negligence liability insurance negligence suit negligence system North Carolina out-of-pocket loss paid pain and inconvenience pain and suffering pany policyholders present system Protection benefits rate increases rehabilitation reimburse result Roy Cobb savings surance tection tion traffic accident traffic injuries traffic victims trial trial law underwriting uninsured drivers uninsured motorist Vehicle Insurance wage loss workmen's compensation York