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American state and Canadian provincial governments have dealt with rapidly rising auto insurance rates in different ways over the last two decades, a difference many attribute to variances in political pressure exerted by interest groups such as trial attorneys and insurance companies. Edward L. Lascher, Jr., argues that we must consider two additional factors: the importance of politicians' beliefs about the potential success of various solutions and the role of governmental institutions. Using case studies from both sides of the border, Lascher shows how different explanations of the problem and different political structures affect insurance reform. In his conclusion, Lascher moves beyond auto insurance to draw implications for regulation and policymaking in other areas.

"The Economics of Property-Casualty Insurance presents new research and findings on key aspects of the economics of the property-casualty insurance industry. The volume explores the industrial organization, regulation, financing, and taxation of this business. The first paper, on external financing and insurance cycles, contains a wealth of information on trends and patterns in the industry's financial structure. The last essay, which compares performance of stock and mutual insurance companies, takes a fresh look at the way a company's organizational structure affects its responses to different economic situations. Two papers focus on rate regulation in the auto insurance industry, and provide broad overviews of the structure and economics of the insurance industry as a whole. Also addressed are the system of regulating insurance companies in the United States, who insures the insurers, and the effects of tax law changes in the 1980s on the prices of insurance policies.

Canadian Automobile Association - The Canadian Automobile Association (or CAA) is a non-profit federation, founded in 1913, of nine clubs across Canada, providing roadside assistance service, a complete range of auto touring and leisure travel services, insurance services, and member discounts with preferred companies.

Auto insurance - Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of car accidents.

Canadian Auto Workers - The Canadian Auto Workers (CAW) (properly the National Automobile, Aerospace, Transportation and General Workers Union of Canada) is one of Canada's largest and highest profile trade unions. While rooted in the large auto plants of Windsor, Ontario, Brampton, Ontario, Oakville, Ontario, and Oshawa, Ontario; the CAW has in recent years expanded and now incorporates workers in industries from fisheries to air travel.

Canadian Online Explorer - CANOE (acronym for Canadian Online Explorer, commonly called Canoe.ca) is Canada's leading online news and information site.

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