Research Publications

Fighting Insurance Fraud: Survey of Insurer Anti-Fraud Efforts

Written in collaboration with Insurance Services Office, Inc. (ISO), the report analyzes survey responses from 353 large, medium, and small insurance companies that represent 73 percent of the property-casualty market for 1999. Findings show how insurers perceive the problem of fraud and the corporate resources and strategies their companies are using to fight it.

Public Attitude Monitor- 2001 - Issue 2

The second issue of the Insurance Research Council's Public Attitude Monitor 2001 (PAM) examines consumers' attitudes toward shopping for auto insurance, use of the Internet in shopping for and researching auto insurance, and uninsured vehicles.

Public Attitude Monitor 2001 - Issue 3,

The third issue of the Insurance Research Council's Public Attitude Monitor 2001 (PAM) examines public opinions of using competitive parts for auto repair and using insurer-designated auto repair shops.

Public Attitude Monitor 2001: - Issue 1

The first issue of the Insurance Research Council's Public Attitude Monitor 2001 (PAM) describes the public's response to questions concerning special licensing laws for older and younger drivers, support for motorcycle helmets, attitudes regarding drinking before driving, strict enforcement of speed limits, and red light cameras.

Consumer Attitudes Toward Information Sharing Between Businesses

This report summarizes findings from initial quantitative and focus group research completed in 2000, and explores the issue of information sharing in context of the tradeoff between strict protection of consumer information and the benefits that result from allowing businesses to share customer information within and between companies.

Auto Injury Claiming Behavior in No-Fault States: An Analysis of Florida PIP Trends

Motivated by the growth in average loss costs for PIP claims in Florida in recent years, this report examines some of the ways in which claimants in Florida—particularly the Miami area—differ from claimants in no-fault states around the country. In many respects, including the pattern of reported injuries, the high utilization of medical resources, and the extent of attorney involvement, Florida and Miami claimants demonstrate many of the objective factors found to be associated with auto insurance fraud and buildup.

Auto Injury Claiming Behavior in No-Fault States: An Analysis of New York PIP Trends

The soaring loss costs in New York PIP claims have led many observers to seek explanations for the deteriorating performance of the no-fault system in the state. This report details the claiming behavior of claimants in New York and especially the New York City metropolitan area -- showing higher incidence of sprains and strains, higher use of some medical professionals and procedures, and higher rates of attorney involvement. This aggregate behavior suggests that fraud and buildup in auto injury claims may well be a factor in the recent New York experience.

Claiming Behavior in New York's No-Fault Auto Insurance System: An Analysis of Closed PIP Claims

Motivated by the growth in average loss costs for PIP claims in Florida in recent years, this report examines some of the ways in which claimants in Florida—particularly the Miami area—differ from claimants in no-fault states around the country. In many respects, including the pattern of reported injuries, the high utilization of medical resources, and the extent of attorney involvement, Florida and Miami claimants demonstrate many of the objective factors found to be associated with auto insurance fraud and buildup.

Characteristics of Auto Accidents: An Analysis of Auto Injury Claims

This study is based upon bodily injury liability closed claim data from 1997. The report examines the nature and key characteristics of motor vehicle accidents and claimants with respect to four key areas: 1) the characteristics of the accident in terms of location, impact severity, number of vehicles involved, point of impact, police involvement and when the accident occurred; 2) the characteristics of the driver of the insured vehicle; 3) the characteristics of the insured vehicle; and 4) the characteristics of the claimant.

Uninsured Motorists 2000 Edition

Uninsured Motorists 2000 Edition updates a 1999 report with two additional years of data. It contains state and national statistics on uninsured motorist claim frequency, bodily injury claim frequency, and the ratio of uninsured motorist to bodily injury claim frequencies over time.