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COMPENSATION FOR AUTOMOBILE INJURIES IN THE UNITED STATES. SUMMARY OF FINDINGS

The All-Industry Research Advisory Council published in 1979 a two-volume report, "Automobile Injuries and Their Compensation in the United States," which for the past 10 years has provided a unique and indispensable data base for almost all analyses of the auto injury compensation system in this country. The current study is intended to update that data base and to draw from it analyses relevant to today's concerns about the operation of auto injury compensation systems. This report, as did the one in 1979, shows the kinds of injuries being reported to auto insurers and the amount being paid for those injuries under different coverages and different kinds of auto compensation laws. It also provides a factual basis for making comparisons among individual states, and for measuring changes that have occurred over the past 10 years. Most of the analysis contained in this report is based on results of a countrywide survey of automobile injury claims closed during the Spring and Summer of 1987. Some 34 leading writers of auto insurance participated, providing detailed information on 46,694 claims paid under the five principal auto injury coverages (bodily injury liability, uninsured motorist, underinsured motorist, medical payments and personal injury protection). Additional information on cost trends was obtained from the Fast Track Monitoring System and from the statistical compilations of the Insurance Services Office, Inc., the National Association of Independent Insurers, and other organizations. The study reveals that injuries caused by auto accidents have become much more costly during the 1977-1987 decade. Injury claims have become more frequent in a number of states, and the average cost per claim has escalated at a rate faster than the cost of most other goods and services. States with the highest auto injury costs per insured car were New Jersey, California, Maryland, Pennsylvania, Delaware, Arizona, Massachusetts, Nevada, District of Columbia, Louisiana and Connecticut. States with the lowest auto injury costs were Nebraska, Wyoming, Kansas, Idaho, South Dakota, Iowa, Maine, North Dakota, Arkansas and Alabama.

  • Corporate Authors:

    All-Industry Research Advisory Council

    1200 Harger Road, Suite 222
    Oak Brook, IL  United States  60521
  • Publication Date: 1989-3

Media Info

  • Features: Figures;
  • Pagination: 15 p.

Subject/Index Terms

Filing Info

  • Accession Number: 00610243
  • Record Type: Publication
  • Source Agency: National Highway Traffic Safety Administration
  • Report/Paper Numbers: HS-040 960
  • Files: HSL, TRIS, USDOT
  • Created Date: Jun 30 1991 12:00AM