The Costs of Excess Medical Claims for Automobile Personal Injuries
ResearchPublished 1995
Over the past decade and a half, automobile insurance premiums for personal injury coverage have grown rapidly. Many fear that excess claims for medical care may be a major factor in the increase. This study analyzes the pattern of excess medical claiming across the states to estimate how much excess medical claiming exists and how much it costs consumers. The study concludes that 35-42 percent of claimed medical costs for automobile injuries are excess. In 1993, this excess claiming consumed approximately $4 billion of health care resources, cost insurers $9-$13 billion in compensation for noneconomic losses and other costs, and may have cost consumers $13-$18 billion in auto insurance premiums.
Topics
Document Details
- Copyright: RAND Corporation
- Availability: Web Only
- Year: 1995
- Pages: 34
- DOI: https://doi.org/10.7249/DB139
- Document Number: DB-139-ICJ
Citation
RAND Style Manual
Carroll, Stephen J., Allan Abrahamse, and Mary E. Vaiana, The Costs of Excess Medical Claims for Automobile Personal Injuries, RAND Corporation, DB-139-ICJ, 1995. As of September 11, 2026: https://www.rand.org/pubs/documented_briefings/DB139.html
Chicago Manual of Style
Carroll, Stephen J., Allan Abrahamse, and Mary E. Vaiana, The Costs of Excess Medical Claims for Automobile Personal Injuries. Santa Monica, CA: RAND Corporation, 1995. https://www.rand.org/pubs/documented_briefings/DB139.html.
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