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CHAPTER TWO LITERATURE REVIEW
CHAPTER THREE RESEARCH HYPOTHESES AND METHODOLOGY
CHAPTER FOUR EMPIRICAL RESULTS
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2SLS Regressions accident compensation add-on adverse selection asymmetric information attorney representation attorney usage auto insurance BICLAIM bodily injury Browne and Puelz Choice Reform Act choice system claimant claimant's degree claims subject CLMFAULT coefficient comparison coverage data set degree of fault Dependent Variable Descriptive Statistics dollar threshold drivers Dummy variable effects of choice endogenous exogenous exogenous variables expected utility first-party Group higher reimbursement ratio hypotheses instrumental variable Jersey and Pennsylvania Jersey Sample JOBLESS Lawsuit Option liability limited tort right Ln(EconLoss Ln(R Ln(T Logistic Regression moral hazard motorists no-fault claims no-fault electors no-fault insurance no-fault option no-fault plans no-fault system non-economic losses P-Value pain and suffering Pennsylvania Sample percent personal injury protection PIP claims post-choice claims POSTNF pre-choice claims premium propensity of attorney R-square reduced sample subject to no-fault subject to tort Table tort and no-fault tort option tort right claims tort system URBAN verbal threshold