Experiences of pathways, outcomes and choice after severe traumatic brain injury under no-fault versus fault-based motor accident insurance

Harrington, Rosamund, Foster, Michele and Fleming, Jennifer (2015) Experiences of pathways, outcomes and choice after severe traumatic brain injury under no-fault versus fault-based motor accident insurance. Brain Injury, 29 13-14: 1561-1571. doi:10.3109/02699052.2015.1075142


Author Harrington, Rosamund
Foster, Michele
Fleming, Jennifer
Title Experiences of pathways, outcomes and choice after severe traumatic brain injury under no-fault versus fault-based motor accident insurance
Journal name Brain Injury   Check publisher's open access policy
ISSN 1362-301X
0269-9052
Publication date 2015-09-16
Year available 2015
Sub-type Article (original research)
DOI 10.3109/02699052.2015.1075142
Open Access Status Not Open Access
Volume 29
Issue 13-14
Start page 1561
End page 1571
Total pages 11
Place of publication London, United Kingdom
Publisher Informa Healthcare
Language eng
Formatted abstract
Primary objective: To explore experiences of pathways, outcomes and choice after motor vehicle accident (MVA) acquired severe traumatic brain injury (sTBI) under fault-based vs no-fault motor accident insurance (MAI).
Methods: In-depth qualitative interviews with 10 adults with sTBI and 17 family members examined experiences of pathways, outcomes and choice and how these were shaped by both compensable status and interactions with service providers and service funders under a no-fault and a fault-based MAI scheme. Participants were sampled to provide variation in compensable status, injury severity, time post-injury and metropolitan vs regional residency. Interviews were recorded, transcribed and thematically analysed to identify dominant themes under each scheme.
Results: Dominant themes emerging under the no-fault scheme included: (a) rehabilitation-focused pathways; (b) a sense of security; and (c) bounded choices. Dominant themes under the fault-based scheme included: (a) resource-rationed pathways; (b) pressured lives; and (c) unknown choices. Participants under the no-fault scheme experienced superior access to specialist rehabilitation services, greater surety of support and more choice over how rehabilitation and life-time care needs were met.
Conclusions: This study provides valuable insights into individual experiences under fault-based vs no-fault MAI. Implications for an injury insurance scheme design to optimize pathways, outcomes and choice after sTBI are discussed.
Keyword Automobile insurance
compensation
family outcome
lifetime care
motor accident insurance
motor vehicle accident
no-fault insurance
outcome
road traffic accident
traumatic brain injury
Q-Index Code C1
Q-Index Status Provisional Code
Institutional Status UQ

Document type: Journal Article
Sub-type: Article (original research)
Collections: School of Health and Rehabilitation Sciences Publications
School of Nursing, Midwifery and Social Work Publications
 
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