Research Publications

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.

Public Attitude Monitor 2000: - Issue 3

This third issue of the Insurance Research Council's Public Attitude Monitor 2000 (PAM) report analyzes the public's response to questions about cellular phones and driving and trucks and highway safety.

2000: Issue 2

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.

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.

Public Attitude Monitor 2000: Issue 1

This first issue of the Insurance Research Council's Public Attitude Monitor 2000 (PAM) report examines public opinions of class action lawsuits, third party bad faith lawsuits, and insurance fraud.

Business Attitude Monitor 2000

The 2000 edition surveyed firms with annual sales volume of between $5 million and $125 million about their attitudes toward the deregulation of commercial lines rates and forms and their satisfaction with various aspects of their insurance experience.

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.

Public Attitude Monitor 1999: Issue 4

This fourth issue of PAM 1999 focuses on three subjects. The first is the importance of vehicle safety, crash test ratings, and other safety information to purchasers of passenger vehicles, as well as the sources used by consumers when obtaining vehicle safety information. The second topic is public awareness of and attitudes toward the safety of sport utility vehicles (SUVs). The third subject addressed by this PAM report is the problem of uninsured drivers.