San Diego Law Review


Robert H. Joost

Library of Congress Authority File


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In this Article, Mr. Joost reviews the auto insurance choice system and highlights recent legislative history in various states pertinent to the choice system. Acknowledging that there is growing interest in the concept of choice in auto insurance, the author recognizes that there is a lack of any consensus as to the best mechanism to use to assure that consumers can make an informed and rational choice. The author examines eight different possible choice mechanisms. He next summarizes the issues and problems that ought to be addressed in any choice system. In conclusion, any auto insurance reform proposal must be cost driven in the sense that it must offer real hope of significant premium reductions to those who can not afford insurance costs.

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