Databases
Several databases from the Insurance Research Council (IRC) are available for interested parties to conduct secondary analysis. All the above one-of-a-kind databases are available by contractual arrangement with the IRC. For more detailed information, please contact David Corum at (610) 644-2212.
Trends in Auto Injury Claims (2008)
This database includes two files in MS Excel 2002 spreadsheet format. The first data set contains information on claim frequency, claim severity, and loss cost for BI, PIP, and PD coverages countrywide and by state from 1980 to 2006. The second data set contains loss cost information for all injury coverages combined and the property damage coverage countrywide and by state from 1987 to 2004. Commercial price: $500, prepaid. For information about ordering this database, please call IRC at (610) 644-2212.
Auto Injury Insurance Claims: Countrywide Patterns in Treatment, Cost, and Compensation, 2008 Edition
This database includes detailed information from more than 42,000 closed claim files used in IRC’s countrywide study of auto injury claims. The data, collected in 2007, contain information from twenty-two insurers representing 57 percent of the 2007 private passenger auto insurance market in the United States, and captures information on reported injuries, medical treatment, economic losses and payments, the claim settlement process, and attorney involvement. Data from similar auto injury studies in 2002, 1997, 1992, 1987, and 1977 are also available from the IRC. Data are provided in SPSS and ASCII formats. Commercial price: $30,000 each, prepaid.
For information on ordering this database, please call IRC at (610) 644-2212.
Trends in Auto Injury Claims (2004)
This database includes two files in MS Excel 2002 spreadsheet format. The first data set contains information on claim frequency, claim severity, and loss cost for BI, PIP, and PD coverages countrywide and by state from 1980 to 2003. The second data set contains loss cost information for all injury coverages combined and the property damage coverage countrywide and by state from 1987 to 2001. Commercial price: $500, prepaid. For information about ordering this database, please call IRC at (610) 644-2212.
Auto Injury Insurance Claims: Countrywide Patterns in Treatment, Cost, and Compensation, 2004 Edition
This database includes detailed information from more than 70,000 closed claim files used in IRC’s countrywide study of auto injury claims. The data, collected in 2002, contain information from thirty-two insurers representing 59 percent of the 2002 private passenger auto insurance market in the United States, and captures information on reported injuries, medical treatment, economic losses and payments, the claim settlement process, and attorney involvement. Data from similar auto injury studies in 1997, 1992, 1987, and 1977 are also available from the IRC. Data are provided in SPSS and ASCII formats. Commercial price: $30,000 each, prepaid. For information on ordering this database, please call IRC at (610) 644-2212.
Trends in Auto Injury Claims (2002)
This database includes three files, all in MS Excel 97 spreadsheet format. The first data set contains information on claim frequency, claim severity, and average loss cost for BI, PIP, and PD coverages by state from 1980 to 2000. The second data set features claim frequency, claim severity, and average loss cost for BI, PIP, and PD coverages by statistical territory within each state combining three years of data from 1995 to 1997. The third data set contains average loss cost information for all injury coverages combined and the property damage coverage by state from 1987 to 1999. Commercial price: $500, prepaid.For information about ordering this database, please call IRC at (610) 644-2212.
Claiming Behavior in New York’s No-Fault Auto Insurance System: An Analysis of Closed PIP Claims (2001)
This database includes detailed information from 2,839 closed claim files used in IRC’s study of no-fault auto injury claims in New York state. The data, collected in 2001, contain information from twelve insurers representing 52 percent of the private passenger no-fault market in New York, and captures information on reported injuries, medical treatment, economic loss, attorney involvement, and filing of tort claims. Data are provided in SPSS and ASCII formats. Commercial price: $10,000, prepaid. For information about ordering this database, please call IRC at (610) 644-2212.
Trends in Auto Injury Claims (2000)
This database includes three files, all in MS Excel 97 spreadsheet format. The first data set contains information on claim frequency, claim severity, and average loss cost for BI, PIP, and PD coverages by state from 1980 to 1998. The second data set features claim frequency, claim severity, and average loss cost for BI, PIP, and PD coverages by statistical territory within each state combining three years of data from 1995 to 1997. The third data set contains average loss cost information for all injury coverages combined and the property damage coverage by state from 1987 to 1997. Commercial price: $500, prepaid. For information on ordering the database, please call IRC at (610) 644-2212.
Paying for Auto Injuries: A Consumer Panel Survey of Auto Accident Victims (1999)
The data contain information on the experiences of nearly 6,000 individuals injured in auto accidents between 1995 and 1998. It updates similar studies conducted in 1994 and 1988. The database captures information on economic loss, medical treatment, sources of reimbursement, attorney involvement, and satisfaction with settlement amounts. The data are provided in SPSS or ASCII formats. Databases for all of these studies are available for purchase from the IRC. Commercial price: $15,000 each, prepaid. For information on ordering these databases, please call IRC at (610) 644-2212.
Injuries in Auto Accidents: An Analysis of Auto Insurance Claims (1999)
Data from the IRC's latest study of auto injury claims based on detailed
information from over 87,000 closed claim files are available. Data collection for this unique work involved literally hundreds of hours of claims examiner's time compiling detailed information on 87,000-plus individual claims. The data contain information collected in 1997 from 40 leading insurers, representing 67% of the private passenger automobile market in the United States. Data from similar auto injury studies in 1992, 1987, and 1977 are also available from the IRC. Data are provided in SPSS or ASCII formats. Commercial price: $30,000 each, prepaid. For information on ordering these databases, please call IRC at (610) 644-2212.
Homeowners Loss Patterns In Eight Cities (1997)
The research data for this study includes exposure and loss data by cause under all homeowners forms, excluding tenants and condominiums, for six years - 1989 through 1994. Data are provided for each of eight cities: Chicago, Detroit, Los Angeles, Milwaukee, New Orleans, New York City, Philadelphia and St. Louis. Data also are provided for areas immediately adjacent to each of these cities, within a five-mile ring. Inside each city, data are available for income-defined neighborhood quadrants. Costs are aggregated for all 13 companies that supplied data and shown for six major cause of loss categories: fire, lightning and removal; liability and medical; wind and hail; water and freezing; theft; and all other causes of loss, including glass, smoke, mysterious disappearance, riots and civil commotion, and vandalism and malicious mischief. The 13 data-supplying insurers collectively service approximately 60 percent of the United States homeowners insurance market. Losses from floods and earthquakes are excluded but all other catastrophe losses are in the database. Data are
provided in MS Excel 97 for Windows spreadsheet format on diskette or CD-ROM. Commercial price: $5000, prepaid. For information on ordering the database, please call IRC at (610) 644-2212.