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Research Publications

Sprains and Strains Resulting From Auto Accidents: An Analysis of Auto Insurance Claims
This study, based on bodily injury liability closed claim data from 1997, looks at sprain and strain claimants with low injury and accident severity. Medical treatment patterns, economic losses, and net reimbursements are explored among claimants who were represented by attorneys and claimants who were not represented.
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Trends in Auto Injury Claims: 2000 Edition
While the number of auto accidents with property damage claims declined in the last two decades, the number of bodily injury claims increased. This report examines the frequency and severity of bodily injury, property damage, and personal injury protection claims from 1980 through 1998 countrywide and by individual state. Territories within states are investigated for the period of 1995 through1997. In addition, Trends in Auto Injury Claims provides information on the bodily injury to property damage claims ratio, average loss costs, and average written liability premiums. Charts and graphs of observed trends are included as well as detailed tables of the data compiled from major statistical reporting agencies and state insurance departments; all organized in a permanent binder.
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Paying for Auto Injuries: A Consumer Panel Survey of Auto Accident Victims
This study of the reports of nearly 6,000 people who were injured in auto accidents examines: types, variety, and severity of injuries, as well as their treatment; economic losses; the role of various sources of reimbursement, (including auto, health, workers’ compensation, and disability insurance and government programs); attorney representation; and claimant satisfaction with auto injury settlements. Paying For Auto Injuries contains 44 tables, graphs, and charts that, along with text, provide rare insights into the experiences of auto accident victims. Also, there are over 50 supplementary tables in the appendix. Comparative data are provided from similar studies conducted in 1992, 1986, and 1977.
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Injuries in Auto Accidents: An Analysis of Auto Insurance Claims
This study of over 87,000 auto injury claims examines: types, variety, and severity of injuries; treatment of injuries; economic losses and insurance payments; attorney representation; and economic impact of attorney representation and its effect on timeliness of settlement. Injuries in Auto Accidents contains 90 tables, graphs, and charts that together with the text clearly depict the findings of this investigation. In addition, there are 38 supplementary tables in an accompanying appendix. This study contains comparative findings from similar studies conducted in 1992, 1987, and 1977, presenting a 20-year window of data. Also available: 1992 closed claim study Auto Injuries: Claiming Behavior and Its Impact on Insurance Costs, September 1994, 126 pages; 1987 close claimed and consumer panel study, Compensation for Automobile Injuries in the United States, March 1989, 187 pages; and closed claim study, Automobile Injuries and Their Compensation in the United States, March 1979, 254 pages plus 409 pages of tables in Vol. II.
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Trends in Auto Injury Claims ­- Part Two: Analysis of Claim Costs, 1996 Edition
Auto injury claims are increasing sharply in many states, despite a drop in the number of property damage accidents. Part One of this report explores this continuing trend, showing variations over time, among states, and among territories. Part Two documents the total cost of injuries paid by auto insurance and examines the cost of injuries relative to property damage liability by state. Available appendices include claim frequency, claim severity and average loss cost data for each state from 1980-1995, and provide comparative data on every territory in the U.S. for a more limited period of time.
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Trends in Auto Injury Claims, Part One: Analysis of Claim Frequency, 1996 Edition
Auto injury claims are increasing sharply in many states, despite a drop in the number of property damage accidents. Part One of this report explores this continuing trend, showing variations over time, among states, and among territories. Part Two documents the total cost of injuries paid by auto insurance and examines the cost of injuries relative to property damage liability by state. Available appendices include claim frequency, claim severity and average loss cost data for each state from 1980-1995, and provide comparative data on every territory in the U.S. for a more limited period of time.
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Auto Injuries: Claiming Behavior and Its Impact of Insurance Costs
This book reports results of a countrywide survey of nearly 62,000 auto injury claims paid by 61 major auto insurers in 1992. It discusses characteristics of the accidents and of those injured, trends in losses incurred and payments received, incidence of attorney involvement and its effect on claim costs, and variations by city and state in these and other factors. Comparisons are made between the 1992 data and similar studies conducted in 1987 and 1977. Also available: 1987 closed claim and consumer panel study, Compensation for Automobile Injuries in the United States, March 1989, 187 pages; and 1977 closed claim study, Automobile Injuries and Their Compensation in the United States, March 1979, 254 pages plus 409 pages of tables in Vol. II.
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Paying for Auto Injuries
This study examines the auto injury reimbursement process from the claimant's perspective, providing information on 5,503 recent auto injury victims. This consumer panel survey, a comprehensive update of similar IRC studies conducted in 1977 and 1986, reveals current patterns in the economic cost of injuries, types of medical providers used, different sources of reimbursement, and attorney involvement in injury claims. The study also reports on consumer satisfaction with settlement amounts as it relates to the other variations in claim circumstances.
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Catastrophic Auto Injuries
This survey of auto injury claims with unlimited no-fault medical benefits in Michigan, New Jersey and Pennsylvania provides detailed claimant, accident, injury and payment data for 1,061 claims with expected total payments of $100,000 or more. In addition, the report documents changes in the reported expected value of these claims over time, and differences in claim characteristics from earlier samples of catastrophic PIP claims and a broader sample of PIP claims with all types of injuries.
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