Preface |
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xxv | |
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Part I The Issues in Perspective |
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1 | (22) |
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1 Introduction: Surveying the Field |
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3 | (20) |
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1.1 Compensation for Accidents |
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3 | (2) |
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1.2 Natural and Human Causes |
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5 | (5) |
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5 | (2) |
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1.2.2 Society's `Responsibility' for Human Causes |
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7 | (1) |
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1.2.3 Protecting Reasonable Expectations |
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8 | (1) |
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1.2.4 Egalitarianism and the Problem of Drawing the Line |
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9 | (1) |
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1.3 Mixed Systems in a Mixed Society |
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10 | (2) |
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1.4 Some Facts and Figures |
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12 | (11) |
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1.4.1 Accidents Causing Personal Injury or Death |
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13 | (2) |
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1.4.2 Death and Disability from Other Causes |
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15 | (1) |
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1.4.3 The Prevalence of Disability |
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15 | (1) |
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1.4.4 The Effect of Disability on Income |
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16 | (1) |
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1.4.5 Distribution and Sources of Compensation |
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17 | (2) |
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1.4.6 The More Serious and the Less Serious |
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19 | (4) |
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Part II The Tort System in Theory |
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23 | (158) |
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2 Fault as a Basis of Liability |
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25 | (34) |
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2.1 The Conceptual Basis of Tort Law |
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25 | (1) |
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2.2 Negligence as a Basis of Liability |
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26 | (1) |
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27 | (1) |
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28 | (16) |
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2.4.1 A Question of Fact and Law |
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28 | (3) |
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2.4.2 The Nature of Negligence |
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31 | (3) |
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2.4.3 Probability of Harm |
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34 | (1) |
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2.4.4 Likely Magnitude of Harm |
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35 | (1) |
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2.4.5 The Value of the Activity and the Cost of the Precautions Needed to Avoid Harm |
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36 | (1) |
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2.4.6 The Function of the Negligence Formula |
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37 | (1) |
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38 | (2) |
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2.4.8 The Objective Standard of Care |
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40 | (1) |
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2.4.9 Negligence in Design and Negligence in Operation |
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41 | (3) |
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2.5 Conduct of the Claimant |
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44 | (15) |
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2.5.1 Contributory Negligence |
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45 | (7) |
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2.5.2 Volenti Non Fit Injuria |
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52 | (5) |
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57 | (2) |
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3 The Scope of the Tort of Negligence |
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59 | (24) |
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3.1 The Nature of the Duty of Care |
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59 | (3) |
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62 | (14) |
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3.2.1 Common Situations in Which Duties of Care Have Been Imposed |
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62 | (2) |
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3.2.2 The Distinction between Acts and Omissions |
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64 | (12) |
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76 | (5) |
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3.3.1 A Restrictive Approach |
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76 | (2) |
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78 | (1) |
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79 | (1) |
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80 | (1) |
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81 | (2) |
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4 Departures from the Fault Principle |
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83 | (14) |
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4.1 Fault Liability and Strict Liability |
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83 | (1) |
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84 | (2) |
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4.3 Breach of Statutory Duty |
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86 | (1) |
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86 | (1) |
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4.5 Rylands v. Fletcher, Private Nuisance and Animals |
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87 | (1) |
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88 | (1) |
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89 | (1) |
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89 | (3) |
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4.9 Proposals to Extend Strict Liability |
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92 | (1) |
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4.9.1 Dangerous Things and Activities |
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92 | (1) |
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93 | (1) |
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4.10 Ex Gratia Compensation Schemes |
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93 | (4) |
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94 | (1) |
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4.10.2 HIV and Hepatitis C |
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95 | (1) |
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4.10.3 Variant CJD (Creutzfeldt-Jakob Disease) |
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96 | (1) |
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5 Causation and Remoteness of Damage |
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97 | (21) |
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97 | (1) |
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97 | (8) |
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97 | (2) |
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5.2.2 Causing and Increasing the Risk of Harm |
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99 | (3) |
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102 | (1) |
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5.2.4 Multiple Causal Factors |
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103 | (2) |
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5.3 Limits on the Liability of Factual Causes |
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105 | (12) |
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106 | (6) |
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5.3.2 Damage Not Within the Risk |
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112 | (2) |
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5.3.3 Foreseeability Again |
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114 | (3) |
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117 | (1) |
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6 Damages for Personal Injury and Death |
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118 | (45) |
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6.1 The Lump Sum: Predicting the Future |
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118 | (13) |
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6.1.1 Personal Injury Cases |
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118 | (2) |
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120 | (3) |
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6.1.3 Variation of Awards after Trial |
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123 | (2) |
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6.1.4 Suitability of Lump Sums |
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125 | (2) |
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6.1.5 Alternatives to Lump Sums |
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127 | (4) |
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131 | (9) |
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132 | (1) |
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6.2.2 Lost Earnings and Support |
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133 | (4) |
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6.2.3 Medical and Other Expenses |
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137 | (3) |
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6.3 Full Compensation for Lost `Earnings': Is It Justified? |
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140 | (5) |
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6.3.1 The Earnings-Related Principle |
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140 | (3) |
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6.3.2 The 100-Per-Cent Principle |
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143 | (2) |
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6.4 Full Compensation: The Commitment in Practice |
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145 | (4) |
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149 | (11) |
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6.5.1 Assessing Intangible Losses |
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149 | (5) |
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154 | (3) |
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157 | (2) |
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6.5.4 Should Damages Be Payable for Intangible Losses? |
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159 | (1) |
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160 | (1) |
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161 | (2) |
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7 An Appraisal of the Fault Principle |
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163 | (18) |
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7.1 The Compensation Payable Bears No Relation to the Degree of Fault |
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163 | (3) |
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7.2 The Compensation Bears No Relation to the Means of the Tortfeasor |
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166 | (1) |
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7.3 A Harm-Doer May Be Held Legally Liable Without Being Morally Culpable and Vice Versa |
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167 | (5) |
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7.3.1 Collective Liability |
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167 | (2) |
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7.3.2 The Objective Definition of Fault |
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169 | (2) |
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7.3.3 Moral Culpability Without Legal Liability |
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171 | (1) |
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7.3.4 The Fault Principle and Popular Morality |
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171 | (1) |
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7.4 The Fault Principle Pays Little Attention to the Conduct or Needs of the Victim |
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172 | (1) |
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7.5 Justice May Require Payment of Compensation Without Fault |
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173 | (2) |
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7.6 Pragmatic Objections to the Fault Principle |
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175 | (6) |
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Part III The Tort System in Operation |
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181 | (92) |
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183 | (27) |
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8.1 Accident Victims and Tort Claimants |
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183 | (4) |
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8.1.1 Cases Reaching Trial and Set Down for Trial |
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183 | (1) |
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183 | (1) |
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8.1.3 Tort Claims, Actual and Potential |
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184 | (3) |
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8.2 Particular Types of Claims |
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187 | (6) |
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187 | (1) |
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8.2.2 Industrial Injuries and Illnesses |
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188 | (3) |
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8.2.3 Public Liability Claims |
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191 | (1) |
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191 | (2) |
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193 | (1) |
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8.3 Why Do People (Not) Make Tort Claims? |
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193 | (6) |
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8.3.1 Some Research Findings |
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193 | (2) |
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8.3.2 Alternative Remedies |
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195 | (1) |
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8.3.3 Propensity to Claim |
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196 | (3) |
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8.4 A Compensation Culture |
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199 | (11) |
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8.4.1 Shifting Social Attitudes |
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199 | (1) |
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8.4.2 Growth in the Number of Tort Claims |
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200 | (2) |
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8.4.3 Growth in Amounts Paid Out in Tort Compensation |
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202 | (1) |
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8.4.4 Impact on Legal Policy-Making |
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203 | (7) |
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9 Tortfeasors and Insurers |
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210 | (36) |
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210 | (1) |
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9.2 Individuals as Tort Defendants |
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210 | (4) |
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9.3 Employers and Corporations as Tort Defendants |
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214 | (5) |
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219 | (1) |
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9.5 The Nature of Liability Insurance |
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220 | (5) |
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9.6 Some Problems of Liability Insurance |
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225 | (6) |
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9.7 First-Party Insurance for the Benefit of Others |
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231 | (1) |
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9.8 The Impact of Liability Insurance on the Law |
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232 | (9) |
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9.8.1 Statutory Provisions |
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232 | (3) |
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9.8.2 The Impact of Insurance on the Common Law |
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235 | (6) |
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9.9 The Motor Insurers' Bureau |
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241 | (5) |
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10 Settlements and Trials |
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246 | (27) |
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10.1 The Importance of Settlements |
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246 | (1) |
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10.2 Obtaining Legal Assistance and Financing Tort Claims |
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247 | (5) |
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10.3 The Course of Negotiations |
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252 | (10) |
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253 | (5) |
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258 | (4) |
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10.4 When Negotiations Break Down |
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262 | (3) |
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10.5 The Time Taken to Achieve a Settlement |
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265 | (2) |
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10.6 The Amount of Compensation |
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267 | (6) |
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Part IV Other Compensation Systems |
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273 | (82) |
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275 | (10) |
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11.1 Types of First-Party Insurance |
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275 | (5) |
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11.1.1 Injury and Illness Insurance |
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275 | (4) |
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11.1.2 Legal Expenses Insurance |
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279 | (1) |
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11.2 First-Party Injury and Illness Insurance Compared with Tort Liability |
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280 | (5) |
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12 Compensation for Criminal Injuries |
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285 | (25) |
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285 | (1) |
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286 | (2) |
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12.3 Other Sources of Compensation |
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288 | (1) |
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12.4 Criminal Injuries Compensation Scheme (CICS) |
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289 | (19) |
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12.4.1 Justifications for the CICS |
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289 | (5) |
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12.4.2 The Scope of the CICS |
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294 | (6) |
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12.4.3 Comparison between the CICS and Tort Liability |
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300 | (5) |
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305 | (2) |
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12.4.5 Claims Consciousness |
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307 | (1) |
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12.5 Victims of Overseas Terrorism Compensation Scheme (VOTCS) |
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308 | (2) |
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13 The Social Security System |
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310 | (35) |
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13.1 Foundations of the Social Security System |
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310 | (3) |
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13.1.1 Workers' Compensation |
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310 | (2) |
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13.1.2 National Insurance |
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312 | (1) |
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13.2 The Beveridge Report and the 1946 Acts |
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313 | (3) |
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13.3 Developments since 1946 |
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316 | (4) |
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13.4 Industrial Injuries Benefits |
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320 | (9) |
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13.4.1 The Scope of the `Industrial Injuries Scheme' |
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321 | (2) |
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13.4.2 Accidents and Diseases |
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323 | (2) |
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325 | (4) |
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13.5 Benefits for the Disabled Generally |
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329 | (3) |
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13.5.1 Statutory Sick Pay |
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329 | (1) |
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13.5.2 Employment and Support Allowance |
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330 | (1) |
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13.5.3 Personal Independence Payment |
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331 | (1) |
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332 | (3) |
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332 | (1) |
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13.6.2 Bereavement Benefits |
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332 | (2) |
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334 | (1) |
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335 | (2) |
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13.8 The Tort System and the Social Security System Compared |
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337 | (4) |
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341 | (4) |
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14 Other Forms of Assistance |
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345 | (10) |
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14.1 The General Legal Environment |
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345 | (1) |
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346 | (2) |
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348 | (4) |
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348 | (2) |
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350 | (1) |
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14.3.3 Housing and Residential Accommodation |
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351 | (1) |
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14.3.4 Other Social Services |
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351 | (1) |
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352 | (3) |
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Part V The Overall Picture |
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355 | (80) |
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357 | (18) |
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15.1 The Concept of Over-Compensation |
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357 | (1) |
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15.2 The Choice of Compensation System |
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358 | (2) |
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15.3 Subrogation and Recoupment |
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360 | (5) |
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15.4 Tort Damages and Other Compensation |
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365 | (9) |
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15.4.1 General Principles |
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365 | (3) |
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15.4.2 Tort Damages and Sick Pay |
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368 | (1) |
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15.4.3 Tort Damages and Personal Insurance |
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368 | (2) |
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15.4.4 Tort Damages and Charitable Payments |
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370 | (1) |
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15.4.5 Tort Damages and Social Security Benefits |
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370 | (4) |
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15.5 Criminal Injuries Compensation |
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374 | (1) |
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16 The Cost of Compensation and Who Pays It |
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375 | (14) |
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16.1 The Cost of Tort Compensation |
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375 | (7) |
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16.2 Costs Not Paid Through the Tort System |
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382 | (5) |
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16.2.1 The Cost of Social Services |
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382 | (1) |
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16.2.2 The Cost of the Social Security System |
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383 | (2) |
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16.2.3 Other Sources of Compensation |
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385 | (1) |
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16.2.4 Costs in Perspective |
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385 | (2) |
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16.3 The Cost of Criminal Injuries Compensation |
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387 | (2) |
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17 The Functions of Compensation Systems |
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389 | (46) |
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389 | (7) |
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17.1.1 Some Preliminary Questions |
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389 | (3) |
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17.1.2 The Meaning of `Compensation' |
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392 | (3) |
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17.1.3 Assessing Compensation Systems |
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395 | (1) |
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17.2 Distribution of Losses |
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396 | (3) |
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17.2.1 What Should Be Distributed? |
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396 | (1) |
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17.2.2 How Should It Be Distributed? |
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397 | (2) |
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17.3 The Allocation of Risks |
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399 | (2) |
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401 | (1) |
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401 | (2) |
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403 | (2) |
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17.7 Deterrence and Prevention |
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405 | (15) |
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17.7.1 Rules and Standards of Behaviour |
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406 | (8) |
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17.7.2 Accident Prevention via Insurance |
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414 | (6) |
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420 | (15) |
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420 | (2) |
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17.8.2 Ascertaining the Costs of an Accident |
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422 | (1) |
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17.8.3 To Whom Should the Costs of Accidents Be Allocated? |
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423 | (2) |
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17.8.4 Responsiveness to Price Mechanism |
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425 | (2) |
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17.8.5 Applying General Deterrence Criteria in Practice |
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427 | (1) |
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17.8.6 General Deterrence and Existing Systems |
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427 | (4) |
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17.8.7 Conclusions about General Deterrence |
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431 | (4) |
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435 | (35) |
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18 Accident Compensation in the Twenty-First Century |
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437 | (33) |
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18.1 Where We Are Now and How We Got Here |
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437 | (5) |
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442 | (15) |
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18.2.1 Strict Liability or No-Fault? |
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442 | (1) |
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18.2.2 Limited or Comprehensive Reform? |
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443 | (3) |
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18.2.3 Preferential Treatment |
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446 | (1) |
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18.2.4 Assessment of Compensation |
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447 | (3) |
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450 | (2) |
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18.2.6 Goals of the System |
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452 | (5) |
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18.3 Proposals and Schemes: The Case of Road Accidents |
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457 | (4) |
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461 | (6) |
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18.4.1 A Social Welfare Solution |
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461 | (4) |
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18.4.2 A Private Insurance Solution |
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465 | (2) |
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467 | (1) |
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18.6 The Role of the Insurance Industry and the Legal Profession |
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468 | (2) |
Index |
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470 | |