Development Of American Motor Vehicles No-fault Insurance Law In 1900

Insurance is always associated with the risk, insurance is impossible to exist without insurable risk. Invention of motor vehicles induces risk of traffic accidents as the result of driving such transport. The United States is not the first country of invention and production of motor vehicles, but motor vehicles have already been broad owned assets in American society. Since the end of the 19th century, vehicles insurance business has stated its rapid development in the United States, vehicles insurance has become the biggest insurance area in property and accident insurance, and American vehicles insurance business has also become the first in the world. The United States is now the most advanced car insurance market around the world.With the great development of vehicles insurance business, American Vehicles Insurance Laws are also developed. The so-called Vehicles Insurance Laws are a collective designation for the laws of all liability insurance compensation caused by vehicle accidents. American Motor Vehicles Insurance Laws generally includes three types, namely, economic liability laws, compulsory automobile liability insurance laws and motor vehicles no-fault insurance law, its development process is not a linear development that substitute instead of the other, but to serve for vehicles insurance laws during different periods of a dynamic development process, the laws operate complementary effect. However, because the States own independent legislative authority on insurance laws, on the other hand, most of these laws scattered in the different statutes, so the types and specific contents of Motor Vehicles Insurance Laws in the States are vastly different. Among them, the legislation of Motor Vehicles No-fault Insurance Laws in the States are particularly unique and have been formulated, repealed, improved for several times. This article is to systematically study the Motor Vehicle No-fault Insurance Laws in the United States through reviewing American vehicle insurance legal history in entire 20th century.This article includes the introduction, body and conclusion of three parts, the body is divided into four chapters.The first chapter gives simple definition of Motor Vehicles Insurance Laws, introduces its content and context of the development. In the first chapter, the development of motor vehicles insurance is divided into three stages, namely, the infancy period, the development and perfection, trying to outline the evolution of American Motor Vehicles Insurance Laws in historical perspective, gives readers a macro-level understanding of vehicles insurance laws.The second chapter summarizes the concept of Motor Vehicles No-fault Insurance Laws, and explains the overall profile of Motor Vehicles No-fault Insurance Laws through concluding its historical evolution. Then, two paragraphs is to introduce Motor Vehicles No-fault Insurance Laws in Massachusetts, Florida, Michigan States in which the legislation is representative, then selecting the application of this law in three typical cases for analysis. The third and the fourth Chapter will analyze the causation of movement of Motor Vehicle No-fault Insurance LawS in the United States. Chapter III notes that the advantages and shortage of law itself leads constant improvement for legal content and formation; the cases of failed political control of vehicles insurance fees shows that the governmental macroscopically management is necessary; and then, through both the overall economic environment and industry economic conditions, it will explain that free economic environment is advancing the Motor Vehicles No-fault Insurance LawS. Chapter IV will focus to state that the impact of Motor Vehicles No-fault Insurance LawS for the implementation of American Constitution and Tort law giving a counterforce to the development of Motor Vehicle No-fault LawS.Ultimately, it will give a conclusion of Motor Vehicles No-fault Insurance Laws, and look for its possible future development trends.