Research Publications

Colorado Auto Insurance—Transition From No-Fault to Tort

Colorado auto insurance regulations changed from a no-fault system to a tort-based system in 2003. This IRC report examines auto claim frequencies and loss costs in Colorado before and after the transition from no-fault to tort. Additional analyses compare closed auto injury claim details between Colorado and the United States.

Trends in Auto Injury Claims, 2008 Edition

his report examines the frequency, severity, and loss costs associated with auto insurance claims under the PD, BI, and PIP coverages from 1990 to 2006. National and state statistics are provided. Also included is information on total auto injury loss costs and average written liability premiums from 1990 to 2004.

Auto Injury Insurance Claims: Countrywide Patterns in Treatment, Cost, and Compensation, 2008 Edition

This closed claim study updates the IRC’s ongoing research on injuries in auto accidents based on a sample of more than 42,000 auto injury claims paid by major auto insurers countrywide. The report explores auto injury claim patterns under each of the five principal private passenger coverages, comparing 2007 data to results from similar studies conducted in 2002 and earlier. The study examines trends in injury claim patterns, including characteristics of the accidents and those injured, medical treatment, losses and payments, the claim settlement process, and the impact of attorney involvement.

Alternative Medical Treatment in Auto Injury Insurance Claims

This IRC report investigates the utilization and cost of alternative medical treatment in BI and PIP auto insurance claims. The report also documents the wide variation in the utilization of alternative treatment in different states.

Alternative Medical Treatment in Auto Injury Insurance Claims

This IRC report investigates the utilization and cost of alternative medical treatment in BI and PIP auto insurance claims. The report also documents the wide variation in the utilization of alternative treatment in different states.

Public Attitude Monitor 2007, Issue 1

The first issue of the Insurance Research Council’s Public Attitude Monitor 2007 (PAM) analyzes public opinion on a range of issues related to highway safety and traffic enforcement.

Public Support For Laws and Devices That Promote Highway Safety

The first issue of the Insurance Research Council’s Public Attitude Monitor 2007 (PAM) analyzes public opinion on a range of issues related to highway safety and traffic enforcement.

Municipal Bond Holdings of Property-Casualty Insurance Companies

This IRC report describes the property-casualty insurance industry’s role as the fourth largest investor in municipal bond markets and presents findings on the types of projects funded through municipal bonds purchased by insurers.

Florida Auto Injury Insurance Claim Environment, 2007 Final Report

This IRC study highlights trends in auto injury claim patterns in Florida by comparing PIP and BI closed claims from 2005 with claim data collected in 2002 and 1997.

Public Attitude Monitor 2006, Issue 2

The second issue of the Insurance Research Council’s Public Attitude Monitor 2006 (PAM) examines the public's attitudes and opinions on a variety of issues related to natural disasters and how attitudes and opinions differ based on proximity to the Atlantic Ocean or the Gulf of Mexico. Findings show that Americans living in close proximity to the coastline were more likely to favor strong building codes and the rebuilding of coastal wetlands. Coastal residents also were more likely to report taking steps to prepare for future natural disasters. Those living in non-coastal areas were more likely to disapprove of taxpayer and policyholder subsidies of insurance costs for those living in high risk areas.