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accident costs accident victims accompanying text amount applied auto accidents Automobile Insurance business or professional casualty insurance caused claims collateral sources common law compulsory Const constitutional consumer contributory fault contributory negligence Corboy covered damages defect defendant doctor due process economic elective no-fault liability employees enterprise liability equal protection example extrahazardous no-fault liability fault liability federal guest statute health insurance HEW Secretary's Commission Ibid impose infra note insurance company jury Kalven Keeton lawyers legislation liability insurance limited litigation manufacturer market deterrence medical expenses medical injury medical malpractice National negligence no-fault auto insurance no-fault basis no-fault benefits no-fault insurance O'Connell out-of-pocket losses paid pain and suffering patient payment for pain percent personal injury plaintiff problems product liability Product Safety proposal Prosser recovery result risks rope Secretary's Commission Report social insurance statute strict liability supra note tion tort law Traffic Victim trial U.S. Department wage loss Wildman Workmen's Compensation