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 claims liability compensation }	0.41
{ variable variables results significant }	0.18
{ state states laws law }	0.10
{ table number data percent }	0.06

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