This first issue of the Insurance Research Council’s Public Attitude Monitor 2004 (PAM) examines public opinion on issues concerning civil justice reform and, more specifically, public attitudes toward personal injury lawsuits and class action lawsuits.
According to a new study released by the Insurance Research Council (IRC), respondents residing in New York State were more likely than respondents nationwide to agree that it is acceptable to increase an insurance claim by a small amount to make up for insurance premiums paid when no claims were made (25 percent among respondents in New York versus 20 percent among respondents countrywide). They were also slightly more likely to say it is acceptable to increase a claim for the deductible that would have otherwise been paid (32 percent versus 29 percent).
The fourth issue of the Insurance Research Council's Public Attitude Monitor 2002 (PAM) examines public opinion on several issues related to auto insurance: insurance rates for the youngest and oldest drivers, the use of automatic data recorders in private passenger vehicles, and perceptions of the accuracy of state motor vehicle records (MVRs) of traffic convictions.
The third issue of the Insurance Research Council's Public Attitude Monitor 2002 (PAM) examines consumers' satisfaction with their auto or homeowners insurance, the public's perceptions of the responsiveness of the insurance industry to the September 11th terrorist attacks, their understanding and awareness of insurance regulation, and their opinions on how insurers should handle claims for losses that a policy was not priced to cover.
The second issue of the Insurance Research Council's Public Attitude Monitor 2002 (PAM) examines the public's opinion on issues related to vehicle occupant safety: the importance of vehicle safety in the vehicle purchase decision, side air bags, head restraints, and primary versus secondary seat belt enforcement.
This closed claim study updates IRC’s ongoing research on injuries in auto accidents based on a sample of more than 70,000 auto injury claims paid by major auto insurers countrywide. The report explores auto injury claim patterns under each of the five principal private passenger auto insurance coverages, comparing 2002 data to results from similar studies conducted in 1997, 1992, 1987, and 1977. 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
This report examines over 50,000 traffic convictions in four states to study the accuracy of MVR. It also contains details about traffic schools and other conviction avoidance methods across the United States that restrict how complete a picture of driving histories MVRs may provide.
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.