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They went on to predict that if some insurance carriers went bankrupt policyholders with seemingly no stake in asbestos suits will be forced to bear, though inadvertently so, part of the costs of the underestimation of the size of eventual asbestos claims. As for whether the insurance companies had any responsibility for underestimating the asbestos-disease hazard, Professor MacAvoy and his associates managed to conclude that although asbestos manufacturers had had knowledge of the hazard for decades, it was only barely perceived by the insurance industry, which, as a result, failed to charge sufficient premiums for the liability policies it issued to asbestos manufacturers
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