Research Publications

Public Attitude Monitor 1984

This nationwide survey of U.S. households probes public attitudes toward sale of insurance by various kinds of financial institutions and the steps needed to protect the public from insolvencies of private financial institutions. It also examines how people shop for auto insurance.

Special Investigative Units

This report shows findings from several surveys on insurer use of Special Investigative Units to combat fraud. Included is a study tracking costs and estimated savings from denial of fraudulent claims by 19 companies with SIUs, information on types of insurance fraud investigated, and information on SIU structure, training and qualifications of SIU personnel, and legal issues.

Crime Losses in Property Casualty Insurance

his study measures the overall impact of crime-related insurance claims on the various kinds of insurance policies sold by property-casualty insurers. Results are stated in terms of crime losses as a percentage of all losses, countrywide and by state, for personal and commercial lines of insurance and for various types of criminal activity. The report also estimates annual dollar costs per household and per employee.

Crime Losses in Property Casualty Insurance

his study measures the overall impact of crime-related insurance claims on the various kinds of insurance policies sold by property-casualty insurers. Results are stated in terms of crime losses as a percentage of all losses, countrywide and by state, for personal and commercial lines of insurance and for various types of criminal activity. The report also estimates annual dollar costs per household and per employee.

Evaluation of Motor Vehicle Records

This study evaluates state motor vehicle records as a source of information on individual driver accidents and convictions in the 37 states that made available such information as of 1983. The study shows great variability among states in the amount of accident and conviction information found on publicly available state records, and provides explanations for these differences across states.

Uninsured Motorist: Facts & Figures (1984)

This study pulls together available statistics on uninsured and hit-and-run motorists countrywide and on a state-by-state basis. It includes information on the historical development of the uninsured motorist coverage, characteristics of uninsured motorists, estimates of the size of the uninsured motorists problem by state, and on state laws pertaining to uninsured and underinsured motorists.

Structured Settlements

Insurance companies are making increasing use of annuities and other forms of "structured" settlements in lieu of lump-sum payments to disabled or seriously injured liability claimants. This report contains findings of a survey involving 54 major property-casualty insurers concerning their use of the technique, criteria used for making structured settlement offers, funding arrangements and other aspects.

Public Attitude Monitor 1983

In addition to covering many of the auto-related topics probed in the three previous PAM surveys, the 1983 study introduces a number of new topics including public perceptions of homeowners insurance, types of coverage, cost of owning and operating a car, gender-neutral insurance rating factors, and drunk driving.

Public Attitude Monitor 1982

Topics explored in this third PAM study include: cost of owning and operating a car, perceptions about the cost of auto insurance and auto insurance rating factors, items influencing car purchase decisions, support for drunk driving countermeasures, and extent of accident reporting.

Insurer Study of PIP Serious Injury Claims: Second Follow-up 1982

This report monitors the progress of 420 seriously injured crash victims whose files were initially surveyed as part of Automobile Injuries and Their Compensation in the United States. This is the second follow-up survey of the survivors. In addition to tracking survival rates and updating expected costs, the study includes a new count of large-loss claims open as of year-end 1981 in the three surveyed states (Michigan, Pennsylvania, New Jersey).