Research

This publication shows dramatic increases in claimed medical expenses and examines some of the factors driving them. The closed claim study, the seventh of its kind conducted by the IRC, is based on a sample of more than 35,000 auto injury claims paid in 2012.

This report presents a new methodology for studying automobile insurance affordability and examines changes and differences in affordability over time and across states.

Based on a detailed review of more than 30,000 auto injury claims closed with payment in 2012, this report documents substantial differences across states in the utilization of key medical diagnostic and treatment services.

This report updates previous IRC studies surveying the public about the acceptability and perceived frequency of various types of insurance fraud, with special emphasis on auto insurance fraud.

This study seeks to measure the impact of no pay, no play laws on the percentage of uninsured motorists. It also estimates the costs of noneconomic damages awarded to uninsured motorists in states that have yet to enact such laws.

This report identifies some of the key factors contributing to the large increases in PIP claim costs in Michigan from 2002 to 2011, examining changes in the composition of claimants and in treatment patterns among claims closed with payment.

This study provides evidence of the positive impact of relaxing stringent rate regulations in the automobile insurance markets of South Carolina (reformed in 1999), New Jersey (reformed in 2003), and Massachusetts (reformed in 2008).

New findings from an Insurance Research Council (IRC) study of personal injury protection (PIP) claims closed in 2010 show that claimed losses for medical expenses, lost wages, and other expenses related to injuries from auto accidents in the New York City area have risen 70 percent over the past

According to a new study from the Insurance Research Council (IRC), third-party bad-faith reforms adopted by the West Virginia State Legislature in 2005 were estimated to have reduced underlying insurance coverage costs by approximately $200 million in the five-year