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A Justice Department task force recommends reforms such as encouraging out-of-court dispute resolution, limiting attorney fees in certain cases, capping punitive damages not linked to direct economic losses, and curbing no-fault liability. State legislatures and courts are urged to adopt measures, illustrated by major verdicts and insurance failures.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/administration-higher-education-eye-ways-to-ease-insurance-debacle/324429/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/administration-higher-education-eye-ways-to-ease-insurance-debacle/324429.png","ImageObject",300,407,{"name":92,"@type":93},"Jiven","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-22","2026-09-21",true,{"@type":102,"interactionType":103,"userInteractionCount":29},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does the article describe as the main drivers of the higher-education insurance and liability crisis?","Question",{"text":112,"@type":113},"It highlights unaffordable or unavailable insurance and regular, costly litigation, with factors including multiplying lawsuits, expanding standards of liability, and skyrocketing damage awards.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"Which Justice Department task force recommendations are presented to ease the crisis?",{"text":117,"@type":113},"The recommendations include encouraging out-of-court dispute resolution, limiting certain attorney fees, capping punitive and related damages not tied to direct economic losses, requiring fault-based liability, and limiting no-fault liability through fault-based standards.",{"name":119,"@type":110,"acceptedAnswer":120},"How are states and courts expected to implement reform?",{"text":121,"@type":113},"The article says NACUBO and the Justice group look to state legislatures and courts to carry out most of the reform, citing examples such as Washington and Minnesota legislation shielding officials from many suits under conditions like gross negligence.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},324429,1790110268,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":29,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":24,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144},1099513958607,"https://ap-avatar.wpscdn.com/avatar/100002390cf8733938c?x-image-process=image/resize,m_fixed,w_180,h_180&k=1778829742770036399","Vol.14,No。65  \n              Friday,Apri14,1986  \n# ADMINISTRATION,HIGHER EDUCATION EYE WAYS TO EASE INSURANCE DEBACLE\n\nColleges and universities are suffering all the worst symptoms of the liabilitycrisis--unaffordable or unavailable insurance,along with regular,costly lit-igation--but civil law reforms may ease their pain,an administration taskforce says.  \nSuggestions offered in a recent Justice Department task force repart.includeencouraging out-of-court dispute resolution,11miting the fees attorneys cancharge in certain cases,capping punitive and other damages not tied to directeconomic losses and curbing no-fault liability.  \n\"We didn't have a champagne party when they released it,\"one higher educationlobbyist said of the panel's report.\"But some people in the higher educationcommunity feel that,if those suggestions are implemented,they will help”in-surance buyers and lawsuit defendants in general.  \nAn insurance panel at the National Association of College and University Bus1-ness Officers(NACUBO),meanwhile,is drafting a response to the report forRep.James Florio,D-N.J.,who leads the House Commerce,Transportation andTourism Subcommittee.a panel with jurisdiction over insurance issues.  \nStates,Courts EyedWhile President Reagan reportedly plans to proposelegislation that would implement some of the task force recommendations,NACUBOand the Justice group are looking to state legislatures and courts to carry outthe bulk of the reform,said Justice and NACUB0 representatives.  \nInsurance industry conditions may have instigated the\"crisis,\"says the taskforce,but multiplying lawsuits,expanding standards of liability and skyrock-eting damage awards have exacerbated it.Legal reforms,therefore,would be.the most sensible government response,the group concluded.  \nA recent $2.6 million verdict against University of Georgia officials illus-trated the double threat of litigation and failing insurance。Jan Kemp chargedshe was the victim of retaliatory discharge after she loudly accused the offi-cials of breaking academic rules in order to help school athletes.The jurygave her less than $80,000 in back pay but $2.5million in compensatory andpunitive damages(HED,Feb。26)。  \nIt was unclear how the university would pay.The insurance company behind thepolicy that would have covered the loss was in bankruptcy proceedings,sald arepresentative for the state university system.And Georgia's attorney generalrefused to comment on the extent to which two officials named in the suit wouldhave to shoulder the $2.3 million in punitive damages against them。(more)  \n# ADMINISTRATION EYES CHANGES TO EASE INSURANCE DEBACLE(Cont.)\n\nMost of the\"explosive\"and inexplicable increase in liability has occurred inthe highest bracket of awards,especially those over $1 mi1lion,according toJustice.To avoid such\"lottery-like results,\"the task force suggested$100,000 as a \"reasonable limitation\"on combined punitive and compensatorydamages and urged that punitive damages depend on a showing of\"actual malice.\"  \n\"Another serious problem of the tort system is its extraordinarily high trans-action costs,\"the task force said.\"In some cases,legal fees alone amountedto as much as 45 percent of [the]plaintiff's award.\"The task force recom-mended 1imiting the contingency fees allowed to winning plaintiffs'attorneys.Normally,they are a flat percentage of the total award,but the group's reportsuggested curbing the percentage as awards grow.  \nThe report also encour aged settlements out of court to hold down 1awyers'bills.The group suggested requiring non-binding arbitration where a portionof the attorneys'fees must be borne by the side that rejects a settlement,ifthat party goes on to lose the case in court.  \nSaying No To No-Fault The task force also recommended liability based onfault。That would curb no-fault liability,for example,when a school is mere-ly the setting of an injury that happens outside school-sponsored activity andthrough no fault or negligence of the school,said ","cbCaillowXhnxQNW","https://ap.wps.com/l/cbCaillowXhnxQNW","pdf",1167331,"English","# Administration, Higher Education - Eye Ways to Ease Insurance Debacle\n## Key reform suggestions\n## States and courts response\n## Examples and legislative measures","[{\"question\":\"What does the article describe as the main drivers of the higher-education insurance and liability crisis?\",\"answer\":\"It highlights unaffordable or unavailable insurance and regular, costly litigation, with factors including multiplying lawsuits, expanding standards of liability, and skyrocketing damage awards.\"},{\"question\":\"Which Justice Department task force recommendations are presented to ease the crisis?\",\"answer\":\"The recommendations include encouraging out-of-court dispute resolution, limiting certain attorney fees, capping punitive and related damages not tied to direct economic losses, requiring fault-based liability, and limiting no-fault liability through fault-based standards.\"},{\"question\":\"How are states and courts expected to implement reform?\",\"answer\":\"The article says NACUBO and the Justice group look to state legislatures and courts to carry out most of the reform, citing examples such as Washington and Minnesota legislation shielding officials from many suits under conditions like gross negligence.\"}]","ADMINISTRATION, HIGHER EDUCATION - EYE WAYS TO EASE INSURANCE DEBACLE | PDF",1789967911,13]