Buyers of auto insurance in New Jersey and Pennsylvania were given a choice of whether to pay lower insurance rates in exchange for a reduced right to sue for pain and suffering.

In Pennsylvania, the default was the full right to sue, with a rebate for accepting reduced rights. In New Jersey, the default was a limited right to sue with a surcharge to get the full rights.

In both states, about 75-80 percent of drivers took the default option. While consumers had a choice in both states, the popularity of the default suggests that most were deciding not to decide.”

Mugs and chocolate bar: 89% preferred a mug when initially given one, 10% preferred a mug when given a chocolate bar.

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