THE PROPOSED SYSTEM WOULD BROADEN THE PAYMENT STRUCTURE AND THE INSURABLE CLASS OF THOSE WHO ARE CRIME VICTIMS BY: (1) LEGISLATION PROHIBITING THE EXCLUSION OF CRIME VICTIMS FROM THE BENEFITS OF EXISTING COVERAGES, EXCEPT IN CERTAIN LIMITED CIRCUMSTANCES; (2) THE ISSUANCE OF A 'MAJOR OCCUPATIONAL' POLICY TO COMPLEMENT A BASIC ACCIDENT POLICY OR TO SUBSTITUTE FOR IT; (3) THE DRAFTING OF A PAIN AND SUFFERING RIDER TO BE ATTACHED TO ALMOST ANY EXISTING POLICY, WITH ADEQUATE PROVISIONS TO SAFEGUARD THE INSURANCE COMPANY FROM FRAUDULENT CLAIMS OF SOME POLICYHOLDERS WHO MIGHT TREAT THIS NEW APPROACH AS A WINDFALL RATHER THAN AS A METHOD OF ALLEVIATING THEIR JUST LOSSES. (AUTHOR ABSTRACT)