Research

This study introduces IRC’s new Auto Injury Claims Analytics Database (AICAD), which uses new methodologies to leverage IRC’s four decades of claims research. This first report documents rising claim severity driven by medical cost inflation and growing attorney involvement rates. 

The IRC served our mission to provide evidence-based analysis on critical insurance  policy issues by delivering eight research studies in 2025.

This study examines state regulatory environments for homeowners insurance. Key measures of rate regulation are examined countrywide over time, across different regulatory systems, and across states.

This Research Brief summarizes a study conducted in conjunction with the Insurance Information Institute, using civil court data to understand the impact of increased litigation over the ten years from 2014 to 2023.

This public opinion survey examines homeowner awareness, acceptance, and concerns regarding the use of aerial imagery tools in insurance.

This Research Brief updates homeowners insurance affordability trends through 2022 and provides countrywide projections for 2023 and 2024. State rankings for 2022 are included, along with a visual representation of key cost drivers in each state. 

This Research Brief updates auto insurance affordability trends through 2022 and provides countrywide projections for 2023 and 2024. State rankings for 2022 are included, along with a visual representation of key cost drivers in each state.

This report provides countrywide and state estimates for the prevalence of uninsured and underinsured driving, as well as an examination of several factors that are associated with variations in uninsured motorists (UM) and underinsured motorists (UIM) rates across states, including economic fact

This report explores public opinions and homeowners' experiences with severe weather, including analysis of U.S.