The Basic Protection Plan

The present automobile insurance system is ripe for reform. It is wastefully expensive and indefensibly unfair in the way it distributes both the benefits and costs of insurance against personal injuries suffered in traffic accidents. Also, merely adopting better rating and marketing methods and providing for victims of uninsured and unidentified motorists, though improving the system, would leave us still saddled with the basic problems of gross injustice and intolerable expense. More basic reform is needed.