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accident victims administrative alternative compensation alternative compensation systems amount arbitration assessment attorney award Birth-Related Neurological Injury causal caused civil action claimant Commission Compensation Program compensation system costs court coverage defendant determine deterrence disability DOT Report economic loss effective date employer expenses fault Federal fees filed fund goals harm hospital incentives injury or death institutions jury lawsuit lawyers legislative liability insurance limited litigation manufacturer or product medical malpractice motorists Neurological Injury Compensation no-fault auto insurance no-fault benefits no-fault insurance non-economic damages obstetrician-gynecologists offer out-of-balance pain and suffering party payment personal injury plaintiff premiums product liability product seller proposal punitive damages pursuant reasonable recover recovery regulation result risk settlement claim statute subsection supra note Task Force tender tion tort claims tort law tort liability tort reform tort system toxic tort traditional insurance Vaccine Injury vaccine-related injury workers Yale Law School