History of the No-Fault Concept.
<!-- excerpt --><p>This is a brief explanation of no fault, who came up with the idea and its history.</p>
Insurance
Insurance news, investigations, and reform — auto, home, and health insurance rates, claims denials, and industry accountability.
History of Auto Insurance
<!-- excerpt --><p>A short history of auto insurance and the personal responsibility system.</p>
“Choice” No-Fault and Other Recent Proposals
<!-- excerpt --><p>A detailed analysis of various no-fault insurance proposals presented by the insurance industry</p>
A Failed Experiment: Analysis and Evaluation of No-Fault Laws
<!-- excerpt --><p>This is a detailed look at how no fault laws have worked in practice. Data from no fault states shows that no fault increases premiums while restricting consumers' rights.</p>
An Analysis and Critique of the RAND Corporation’s Studies in Support of No Fault Laws
<!-- excerpt -->
<p>
Santa Monica, California-based RAND Corporation has repeatedly issued studies suggesting that no fault will lower premiums (even though it never has). This is a review and discussion of the RAND reports, along with correspondence from FTCR to RAND que</p>
Yes on Props. 30 and 31: Fair incentives for insurers to do the right thing
<h3>Sacramento Bee Editorial</h3><p class="source">Sacramento Bee</p>
<p>Voters, beware: Propositions 30 and 31 on the March ballot are trick questions. Insurance companies have already spent millions of dollars to qualify the two measures for the ballot and will spend millions more trying to persuade voters to vote No. The pu</p>
TV ads return to lament plight of uninsured
<p class="source">USA TODAY</p>
<p>Harry and Louise, the TV ad characters used by the insurance industry to help defeat President Clinton's health reform plan, take to the airwaves again Wednesday.</p>
Aetna Video Shows ERISA Patients Mistreated
<!-- excerpt --><p>An internal video of Aetna lawyers training claims managers about procedures for denying claims shows the insurer considers liability exposure in determining whether or not to pay a policyholder's claim</p>
Consumers Need SB 1738 – The Insurance Policyholder and Patient Association Act
<h3>Insurance Policyholders and Patients Lack A Voice in Insurance and Healthcare Ratemaking and Policy Proceedings</h3>
<p>Insurance companies spend millions to advocate for higher rates and weaker consumer protections by hiring accountants, lawyers, auditors and other experts that critically outnumber and drown out the voices of consumer advocates</p>
MADD shocks activists with insurer alliance
<p class="source">San Diego Union Tribune</p>
<p>Advocates of two propositions intended to boost the clout of accident victims in dealing with recalcitrant insurance companies fully expected the support of Mothers Against Drunk Driving.</p>
HMO critic takes fight against managed-care abuses online
<p class="source">The San Diego Union-Tribune</p>
<p>Jamie Court, that constant thorn-in-the-side of health maintenance organizations, has now adopted the World Wide Web as a weapon in his fight against managed-care abuses. <br></p>
Several Area Cities Targeted for Campaign Reform Drive
<p class="source">Los Angeles Times</p>
<p>Led by consumer advocate Ralph Nader, a new organization is launching a campaign in Santa Monica, Pasadena, Claremont and three other California cities to change the way races for public offices are financed.</p>