Research

Uninsured motorists (UM) are drivers who operate motor vehicles without having liability insurance coverage to compensate others for injuries or physical damage resulting from auto accidents in which they were at fault, despite near-universal legal requirements.

This Research Brief examining personal auto affordability in Florida includes comparisons of various cost drivers of auto insurance costs. 

This report expands on previous IRC research on consumer attitudes and opinions with respect to personal auto insurance telematics and usage-based insurance (UBI). The report finds that more U.S. drivers are open to opting into UBI programs to save on their auto insurance premiums.

The focus of this study is the public’s knowledge of and attitudes on issues around credit history, credit scores, and the use of credit-base insurance scores as an insurance rating factor. It also looks at perceptions of auto insurance affordability.

This research expands on previous IRC research on personal auto insurance affordability. IRC measures affordability with the ratio of auto insurance expenditures to median household income.

This study examines public attitudes on issues around litigation and the impact on insurance.

This Research Brief updates auto insurance affordability trends through 2018.

This study examines trends in the percentage of uninsured motorists in each state based on uninsured motorists and bodily injury claim frequencies from 2015 through 2019.

The report presents findings from a large collection of claims closed in 2010, 2014, and 2018 under private passenger comprehensive, collision, and property damage liability coverages.