17. For a further discussion of why these estimates are conservative, see O'Connell et al. (1993), 1039-40; O'Connell et al. (1995), 289; and Abrahamse and Carroll (1995), 27-38.

18. See supra note 14.

19. Insurance Research Council (1994), 1.

20. Insurance Research Council, "Part One: Analysis of Claim Frequency," Trends in Auto Injury Claims, 2nd ed., (Wheaton, IL, 1995), Table A-6.

21. The term personal injury (PI) premium refers to coverage for bodily injury, medical payments, uninsured motorists, and underinsured motorists. The 1993 PI share of liability premium is published in O'Connell et al. (1996), Table 2 (column 4).

22. The savings estimates for low-income drivers are for 1993 premiums, though it is unlikely that the savings percentage would change much for 1996. Low-income savings are RAND estimates published in O'Connell et. al. (1996), Table 3 (column 5). See also supra note 14.

23. In particular, drivers would not have to purchase supplementary bodily injury coverage. For a discussion, see O'Connell et al. (1993), 1040 and O'Connell et al. (1995), 289-90.

24. Http://stats.bls.gov/blshome.html.

25. Robert Lee Maril, "The Impact of Mandatory Auto Insurance Upon Low Income Residents of Maricopa County, Arizona," unpublished manuscript, 1993.