Family Compensation Coverage

Proposals for the substitution of automobile compensation plans for automobile tort liability principles have been suggested periodically dating back to the Columbia University study in the early 1930s. The various studies and proposals have arisen primarily from the academic fraternity although there has been a sprinkling of generalized suggestions arising from judicial circles. Within the insurance industry. It can be reasoned that the development of the medical payments coverage, as well as death and disability written in connection with the automobile policy, represents a direct recognition of the need to provide a means for compensation for auto injuries regardless of fault. The uninsured motorist coverage, although designed for other reasons, also acts to provide a means of recovery for auto accident injuries not previously covered.