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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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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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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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Attorney Involvement in Auto Injury Claims
This report uses data from the 2012 closed claim study to examine trends in the rate of attorney involvement in auto injury claims over time and across states. It also provides details on the interaction between the presence of attorneys and cost drivers such as medical treatment and claim abuse and looks at how represented claimants fare compared to claimants without attorneys with respect to claim payment and time to settlement.
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Auto Injury Insurance Claims: Countrywide Patterns in Treatment, Cost and Compensation, 2014 Edition
This publication shows dramatic increases in claimed medical expenses and examines some of the factors driving them. The closed claim study, the seventh of its kind conducted by the IRC, is based on a sample of more than 35,000 auto injury claims paid in 2012. The study examines trends in claim patterns, including details on injuries, medical treatment, claimed losses and payments, attorney involvement, and fraud.
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Auto Insurance Affordability
This report presents a new methodology for studying automobile insurance affordability and examines changes and differences in affordability over time and across states. The study also inspects the drivers of automobile insurance affordability.
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Interstate Differences in Medical Utilization in Auto Injury Claims
Based on a detailed review of more than 30,000 auto injury claims closed with payment in 2012, this report documents substantial differences across states in the utilization of key medical diagnostic and treatment services. The study examined utilization patterns for MRIs and CT scans, as well as for treatment provided by chiropractors and physical therapists. Documenting extreme variation in utilization patterns for similar types of claims suggests opportunities for improving the quality of care provided to auto injury claimants and reducing the cost of auto injury claims.
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No-Fault Auto Injury Claims in Michigan: A Study of Closed Claims and Open Catastrophic Claims
This report identifies some of the key factors contributing to the large increases in PIP claim costs in Michigan from 2002 to 2011, examining changes in the composition of claimants and in treatment patterns among claims closed with payment. The study also pays special attention to the role of very large claims, with information collected on a sample of catastrophic open claims.
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Trends in Auto Injury Claims, 2011 Edition
New findings from an Insurance Research Council (IRC) study of auto injury claim trends indicate that insurance claim costs countrywide have recently increased, reversing previous trends of declining or relatively stable costs. The report, Trends in Auto Injury Claims, 2011 Edition, documents important auto injury claim trends, both countrywide and by state, using private passenger auto claim data from national and state-level statistical reporting agencies.
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