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Trends in Auto Injury Claims, 2008 Edition
his report examines the frequency, severity, and loss costs associated with auto insurance claims under the PD, BI, and PIP coverages from 1990 to 2006. National and state statistics are provided. Also included is information on total auto injury loss costs and average written liability premiums from 1990 to 2004.
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Auto Injury Insurance Claims: Countrywide Patterns in Treatment, Cost, and Compensation, 2008 Edition
This closed claim study updates the IRC’s ongoing research on injuries in auto accidents based on a sample of more than 42,000 auto injury claims paid by major auto insurers countrywide. The report explores auto injury claim patterns under each of the five principal private passenger coverages, comparing 2007 data to results from similar studies conducted in 2002 and earlier. The study examines trends in injury claim patterns, including characteristics of the accidents and those injured, medical treatment, losses and payments, the claim settlement process, and the impact of attorney involvement.
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Alternative Medical Treatment in Auto Injury Insurance Claims
This IRC report investigates the utilization and cost of alternative medical treatment in BI and PIP auto insurance claims. The report also documents the wide variation in the utilization of alternative treatment in different states.
Alternative Medical Treatment in Auto Injury Insurance Claims
This IRC report investigates the utilization and cost of alternative medical treatment in BI and PIP auto insurance claims. The report also documents the wide variation in the utilization of alternative treatment in different states.
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Florida Auto Injury Insurance Claim Environment, 2007 Final Report
This IRC study highlights trends in auto injury claim patterns in Florida by comparing PIP and BI closed claims from 2005 with claim data collected in 2002 and 1997.
Fraud and Buildup in New York Auto Injury Insurance Claims
This IRC study examines regional differences in New York’s auto injury claims using data from 2002 and prior years. The study shows several aspects of claiming behavior in which New York City area claimants were different from upstate claimants, including frequencies of the presence of fraud and buildup indicators.
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Analysis of Auto Injury Insurance Claims From Two Choice States
The third report in an IRC series focusing on auto injury claims in states with similar insurance regulations, this report analyzes BI and PIP claims in two choice states: New Jersey and Pennsylvania. The analysis of injury claims uncovers differences between the two states and also shows differences within each state based on claimants’ choice of no-fault or full tort insurance.
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Analysis of Auto Injury Insurance Claims From Four Tort State
Auto injury claimants from four states seek different types of medical treatment, even though they report similar injuries. A new study of insurance claims by the Insurance Research Council (IRC) examined auto injury claiming behavior in California, Illinois, Texas, and Washington. Comparing auto injury claims from these four tort states, IRC finds that California claimants go to chiropractors most often, Illinois claimants are most likely to see an emergency room physician, and Washington claimants are most likely to go to general practitioners, as well as alternative medical providers, such as massage therapists. From 1997 to 2002, per-claimant medical expenses increased the most in Texas, compared with the other three states.
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Trends in Auto Injury Claims, 2004 Edition
This report documents changes in auto accident and injury claim rates for the nation and each state from 1980 through 2003 under separate auto insurance coverages. The study also examines total injury claim costs for the country and each state from 1987 through 2001.
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Fraud and Buildup in Auto Injury Insurance Claims, 2004 Edition
The Insurance Research Council (IRC) estimates in a new report that fraud and buildup added between $4.3 and $5.8 billion to auto injury settlements in 2002, which represents between 11 and 15 percent of all dollars paid for private passenger auto injury insurance claims in that year. This estimate is somewhat lower than in an IRC study of claims paid in 1992. In the previous study, the IRC found that fraud and buildup added between 17 and 20 percent of total claim dollars paid in 1992.
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