II. Automobile Insurance: The Impact of Auto-Choice
      A prime example of the burden of numerous and expensive tort cases is the automobile insurance industry. Everyone who owns a car probably has some experience with outrageous premiums for car insurance, but low-income drivers especially suffer because they have much less disposable income (a point discussed in greater detail below). Industry data indicate that the cost of bodily injury premiums increased 150 percent in the 1980s, and premiums for bodily injury coverage in 1990 were 2.5 times the level in 1980.[5] Moreover, this increase has occurred as cars have become safer and the number of automobile accidents has sharply declined.[6] A large part of the cost for automobile insurance goes to pay for tort cases. Insurance carriers simply take their tort costs, and apportion some amount to each premium. This way, everyone who insures a car pays for tort costs and system-induced fraud. Thus, as tort costs continue to skyrocket, all drivers pay the price through higher automobile insurance premiums.