0.27 Frank A. Sloan Bridget A. Reilly Christoph Schenzler, Effects of Tort Liability and Insurance on Heavy Drinking and Drinking and Driving, Journal of Law and Economics, 1995.

{ alcohol legal drinking age }	0.27
{ variable variables results significant }	0.15
{ insurance claims liability compensation }	0.14
{ liability damages rule damage }	0.10

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