It was designed to test the impact on liability insurance rates of tort reforms enacted in reaction to the liability insurance crisis, and in the years since. Despite years of claims by insurance companies that rates would go down following enactment of tort reform, we found that tort law limits enacted since the mid-1980s have not lowered insurance rates in the ensuing years. They have convinced lawmakers around the country to enact legislation that makes it nearly impossible for many seriously injured consumers to hold their offenders financially responsible in court by promising such laws would bring down insurance rates. Professional Liability, and Product Combined Total Limits Liability. States were then arranged into three categories, depending on the number of tort law limits passed and the length of time each has been in place, and analyzed.
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