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accidents administrative costs adverse selection analysis appropriate assess average awards benefits billion caused changes in tort collateral source rule compensation systems consumers contract courts coverage created deal deterrence develop disability insurance economic loss eligibility employer enterprises environmental example expanded exposure federal firms goals hazard health insurance hospital incentives income increases individualized corrective justice institutional insurance market Insurance Services Office juries liability insurance limited loss insurance Medicaid medical malpractice Medicare negligence no-fault overdeterrence pain and suffering Paul Weiler payments pensation percent personal injuries Policy potential victims premiums problems Products Liability programs proposals punitive damages purchase rates reduce regulation regulatory Report responsibility result risk safety social insurance Social Security strict liability studies Superfund Act supra note tier tion tort claims tort law tort liability tort litigation tort reform tort system tort's toxic uncertainty uninsured warranty workers compensation