Richard A. Derrig, Herbert I. Weisberg, Xiu Chen, Behavioral Factors and Lotteries under No-Fault with a Monetary Threshold: A Study of Massachusetts Automobile Claims, The Journal of Risk and Insurance, Vol. 61, No. 2, Tort Reform Symposium (Jun., 1994), pp. 245-275
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Derrig et al. (1994) studied this question.
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