Research

This study examines trends in the percentage of uninsured motorists by state utilizing uninsured motorists and bodily injury claim frequencies from 2010-2012.

This report uses data from the 2012 closed claim study to examine trends in the rate of attorney involvement in auto injury claims over time and across states.

This publication shows dramatic increases in claimed medical expenses and examines some of the factors driving them. The closed claim study, the seventh of its kind conducted by the IRC, is based on a sample of more than 35,000 auto injury claims paid in 2012.

This report presents a new methodology for studying automobile insurance affordability and examines changes and differences in affordability over time and across states.

Based on a detailed review of more than 30,000 auto injury claims closed with payment in 2012, this report documents substantial differences across states in the utilization of key medical diagnostic and treatment services.

This report updates previous IRC studies surveying the public about the acceptability and perceived frequency of various types of insurance fraud, with special emphasis on auto insurance fraud.

This study seeks to measure the impact of no pay, no play laws on the percentage of uninsured motorists. It also estimates the costs of noneconomic damages awarded to uninsured motorists in states that have yet to enact such laws.

This report identifies some of the key factors contributing to the large increases in PIP claim costs in Michigan from 2002 to 2011, examining changes in the composition of claimants and in treatment patterns among claims closed with payment.

This study provides evidence of the positive impact of relaxing stringent rate regulations in the automobile insurance markets of South Carolina (reformed in 1999), New Jersey (reformed in 2003), and Massachusetts (reformed in 2008).