Research

This report documents homeowners insurance claim frequency, severity, and loss cost trends from 1997 to 2013. Special emphasis is given to the role of catastrophe-related claims. Countrywide and state findings are presented.

This report provides a unique perspective on claim abuse among auto injury claims closed with payment.

Bad-faith lawsuits targeting automobile insurers in Florida impose a heavy burden on the state’s auto insurance system and auto insurance consumers. This report examines the effect that potential bad-faith settlements have on underlying claiming behavior in Florida.

This study examines trends in the percentage of uninsured motorists by state utilizing uninsured motorists and bodily injury claim frequencies from 2010-2012.

This report uses data from the 2012 closed claim study to examine trends in the rate of attorney involvement in auto injury claims over time and across states.

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.