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In 1993 and 1995 the Texas Legislature enacted numerous civil justice reforms, popularly known as "tort reforms." The goal of these reforms is to reduce litigation costs and the size of litigation judgments, and to control escalating insurance costs.
Relying on information obtained from focus groups, individual interviews, and written surveys, this report looks at how behavioral changes relating to tort reform affect insured losses in Texas and how rate reductions for certain lines of insurance can be adopted so that the insured public can enjoy any savings resulting from these reforms. The study also provides a methodology that can be used as a pattern for continuing study of legislative judicial reforms by Texas and other states.
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