This report provides a unique perspective on claim abuse among auto injury claims closed with payment. Using data from the 2012 closed claim data collection, it describes the prevalence of fraud and buildup among the five main private passenger coverages and includes analysis of different types of abuse, estimates of the excess payments attributable to fraud and buildup, variations by state. It also examines the differences in claiming behavior between claims with the appearance of abuse and other claims and provides information about some of the fraud-fighting tools used by insurers.
