0.41 Robert E. Hoyt David B. Mustard Lawrence S. Powell, The Effectiveness of State Legislation in Mitigating Moral Hazard: Evidence from Automobile Insurance, Journal of Law and Economics, 2006.

{ insurance claim liability premium }	0.41
{ percent data table effect }	0.16
{ variable coefficient model regression }	0.11
{ state law federal year }	0.10

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