APCI - American Property Casualty Insurance Association
05/20/2026 | Press release | Distributed by Public on 05/20/2026 12:56
Legal System Abuse Costs American Households Nearly $6,000 a year
WASHINGTON - The American Property Casualty Insurance Association (APCIA) released a white paper , Legal System Abuse: Examining the Drivers, Impacts & Remedies of this Negative Trend , analyzing how excessive litigation and abusive legal tactics are driving up costs for American families - and outlining policy solutions to curb the trend.
New economic research shows legal system abuse functions as a hidden tax, costing U.S. households nearly $6,000 per year - costs that make insurance less available and less affordable for consumers already facing rising cost-of-living pressures.
What the White Paper Covers:
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The key drivers of legal system abuse, including aggressive and misleading attorney advertising, third-party litigation funding, inflated damage claims, and coordinated legal tactics
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The real-world economic impacts on consumers, businesses, and the broader economy
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Economic data connecting legal system abuse to rising household costs
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Targeted, commonsense policy remedies to restore balance, transparency, and fairness to the civil justice system and address affordability issues
"Legal system abuse is a direct hit to family budgets," said Stef Zielezienski, APCIA's executive vice president and chief legal officer. "When excessive litigation and abusive legal tactics drive up costs by nearly $6,000 per average household each year, consumers are the ones who pay. This white paper makes clear that commonsense reforms - focused on transparency, accountability, and fairness - are urgently needed to lower costs and improve affordability."
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