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Research Publications

Auto Insurance Affordability: Cost Drivers in Louisiana
The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.
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Autonomous Vehicles and Transportation Network Companies: Public Attitudes and Opinions Insurance
This survey report explores the opinions about autonomous vehicles and transportation network companies.
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Third-Party Bad Faith in Florida's Automobile Insurance System, 2018 Update
A report updating findings on the impact of Florida’s third-party bad-faith legal environment on BI liability auto insurance claim trends.
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Digitizing the Auto Insurance Customer Relationship
This survey report explores the degree to which auto insurance customers interact with their insurer using digital methods and their preferences for using digital methods in the future.
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Countrywide Patterns in Auto Injury Claims
This closed claim study is based on a sample of more than 80,000 auto injury claims paid in 2017 and examines trends in claim patterns, including injuries, medical treatment, claimed losses and payments, the claim settlement process, and attorney involvement. The report compares 2017 data to results from similar studies conducted in 2012 and earlier.
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Smart Home Technology: Many Express Interest, But Cost and Privacy Concerns Slow Adoption
Smart Home Technology: Many Express Interest, but Cost and Privacy Concerns Slow Adoption, This study finds that nearly half of all homeowners and renters countrywide would consider allowing their insurance company to receive information about the status of their home through a smart home device or system. The study also identified attitudes and concerns that discourage some from participating in programs involving insurers.
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Uninsured Motorists, 2017 Edition
This study examines trends in the percentage of uninsured motorists by state and countrywide. This edition of the report updates trends with new data for the period 2013-2015.
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Public Understanding of Hurricane Deductibles: Need for Consumer Education Persists
This report examines public understanding of the nature and effects of hurricane deductibles and other special deductibles applicable to storm-related homeowners insurance claims. The study is based on a survey of privately-insured homeowners in five coastal states.
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Attorney Involvement in Homeowners Insurance Claims in Texas
This study examines a sample of closed homeowners insurance claims for property damage occurring from 2008 to 2013, exploring the distribution of the number of claims and the dollars paid across regions within the state. The rate of attorney involvement is examined, with particular focus on claims stemming from wind and hail damage. The report documents the spread of attorney involvement across counties in Texas and provides estimates for the impact of continued increases.
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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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