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Member Supported Content

Research Publications

Motivation for Attorney Involvement in Auto Injury Claims
This study examines the role of attorneys in the process of settling auto injury claims. In an on-line survey, respondents injured in auto accidents were asked about their experience, including satisfaction with the claim process, their decision whether to talk to or hire an attorney, and the services provided by attorneys.
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The Sharing Economy: Public Participation and Views
This study examines public familiarity with and participation in the sharing economy. Also explored in the report are various insurance-related aspects of the sharing economy. The study is based on the responses of 1,105 participants in a survey fielded by GfK Public Affairs & Corporate Communications.
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Affordability in Auto Injury Insurance: Cost Drivers in Twelve Jurisdictions
Affordability in Auto Injury Insurance: Cost Drivers in Twelve Jurisdictions, June 2016, 132 pages. This study identifies and documents the common and unique factors and conditions underlying rising auto injury insurance claim costs in 12 jurisdictions (Delaware, District of Columbia, Florida, Kentucky, Louisiana, Michigan, Mississippi, Nevada, New Jersey, New York, Rhode Island, West Virginia).
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Auto Insurance Telematics: Consumer Attitudes and Opinions
The report explores consumer attitudes and opinions with respect to auto insurance telematics and usage-based insurance (UBI). The report finds that many drivers participating in telematics programs change their driving behavior in response to information provided by their insurance companies about their driving that was gathered with a telematics device. The report also confirms that many drivers are concerned about the privacy of their personal information.
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Trends in Auto Injury Claims, 2015 edition
This report examines the frequency, severity and loss costs associated with auto injury insurance claims under bodily injury liability and personal injury protection coverages, from 1990 to 2013. Countrywide and individual state outcomes and trends are analyzed.
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Trends in Auto Insurance Affordability
This report monitors auto insurance affordability across states and over time using the IRC’s auto insurance expenditure-to-income ratio. The study also analyzes auto insurance affordability trends for low-to-moderate income consumers and inspects differences in affordability trends across various goods and services considered necessities.
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Shopping for Auto Insurance and the Use of Internet-Based Technology
This report examines how often consumers shop for auto insurance, how they go about shopping, the choices made after shopping, satisfaction with the shopping experience, and the use of Internet-based personal technology when shopping for insurance. The report also looks at differences in shopping behavior and technology use across demographic groups
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Trends in Homeowners Insurance Claims, 2015 Edition
This report documents homeowners insurance claim frequency, severity, and loss cost trends from 1997 to 2013. Special emphasis is given to the role of catastrophe-related claims. Countrywide and state findings are presented.
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Fraud and Buildup and Auto Injury Insurance Claims
This report provides a unique perspective on claim abuse among auto injury claims closed with payment. Using data from the 2012 closed claim data collection, it describes the prevalence of fraud and buildup among the five main private passenger coverages and includes analysis of different types of abuse, estimates of the excess payments attributable to fraud and buildup, variations by state. It also examines the differences in claiming behavior between claims with the appearance of abuse and other claims and provides information about some of the fraud-fighting tools used by insurers.
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Third-Party Bad Faith in Florida’s Automobile Insurance System
Bad-faith lawsuits targeting automobile insurers in Florida impose a heavy burden on the state’s auto insurance system and auto insurance consumers. This report examines the effect that potential bad-faith settlements have on underlying claiming behavior in Florida. Estimates of additional claim costs attributable to the bad-faith legal environment are included.
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