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Representative Jim Saxton Chairman
Representative Tom Campbell
Representative John T Doolittle
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105th Congress add-on ANF under choice auto insurance premiums auto insurance system Auto-Choice automobile insurance behalf of drivers billion Bob Hunter break-even premium California Chairman choice auto insurance choice plan choice system choose Civil Justice claims per 100 compensation costs compensation paid costs of auto costs of compensating dollar drivers who elect economic loss effects elect ANF estimate fault Fault Insurance Federal fraud Governor Whitman Hudson Institute Hunter income Institute for Civil insurance companies insured drivers Jeffrey O'Connell Jersey Joint Economic Committee liability Maryland Maryland Law Review Michael Horowitz Michigan no-fault insurance no-fault law noneconomic loss opt for ANF option pain and suffering personal injury coverages PIP benefits plan allowing choice policy limit property damage proposal purchase RAND Representative Saxton state's current system Stephen Carroll strong verbal threshold switch to ANF switchers Table tort reform transaction costs uninsured motorist United States Congress