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20 percent accident American civil justice analytic awards benefits paid billion in 1970 changes Chief Executive Officer civil justice system compensation agency Compensation Executive Summary compensation insurance compensation law compensation system compromise and release costs of injuries courts Darling-Hammond and Thomas deaths dollar duration Economics of Workers effects of workers employer negligence employers and employees estimated Executive Summary Linda factors federal firm's full compensation Gustave H immunity Indemnification injured workers injurors Institute for Civil Institute's Insurance Companies Issues and Research job-related judicial JUSTICE The Institute Kniesner Law and Economics levels liability litigation loss prevention marginal cost negligent employer occupational disease claims payments permit Policy Issues President and Chief Private insurers Professor programs Rand Corporation rates reimbursed release settlements Research Needs Rand result safety i.e. safety incentives SANTA MONICA status of workers Subrogation Suits Against Third Summary Linda Darling-Hammond third parties tion tort work-related injuries