Insurance Claims

  • Two toy vehicles in a collision on top of a manilla folder marked "Plaintiff v Defendant"

    Journal Article

    The Effect of Mandatory Insurer Reporting on Settlement Delay

    This article examines this problem empirically, using a rich, national data set of closed automobile bodily injury claims.

    Jan 22, 2021

  • A member of the Seattle Fire Department leaves the scene following a medical response as efforts continue to help slow the spread of COVID-19 in Seattle, Washington, U.S. March 31, 2020, photo by Jason Redmond/Reuters


    The Justice System and the COVID-19 Pandemic: Resources for Policymakers

    From closed courts to increased risk for first responders, the COVID-19 pandemic has introduced new challenges for the justice system. RAND research provides insights that may be helpful as decisionmakers try and address some of these issues.

    Apr 20, 2020

  • Businessman stops domino effect, photo by ridvan_celik/Getty Images


    Tapping Business Interruption Insurance Coverage to Assist Small Business During the Pandemic

    Legislation has been introduced in several states that would require insurers to cover business interruption losses due to the COVID-19 outbreak. What are the advantages and disadvantages of such a law? If policymakers were to proceed with such an approach, then what design considerations should they keep in mind?

    Apr 10, 2020

  • Report

    Who Settles in Workers' Compensation?

    The process of determining appropriate workers' compensation benefits can be costly and complicated. Changes in permanent disability benefits in Oregon provide a case study on the relationship between the expected value of the benefit and the probability of settlement.

    Dec 23, 2019

  • PG&E works on power lines to repair damage caused by the Camp Fire in Paradise, California, November 21, 2018, photo by Elijah Nouvelage/Reuters


    Allocating Costs for California Wildfires

    Wildfires in California have caused and will likely continue to cause substantial losses for residents, businesses, and government agencies. It is important to distribute these losses in a manner that provides incentives to reduce their magnitude over time.

    Jul 24, 2019

  • Legal gavel and leather binder on a desk


    The Role of Health Care Liens in Litigation and Recovery

    This paper examines the different types of health care liens and trends in prevalence, as well as how liens have changed the landscape of claim resolution.

    Nov 19, 2018

  • Research Brief

    Research Brief

    How Does Expanding Health Insurance Coverage Affect Workers' Compensation Costs?

    The Affordable Care Act's expansion of coverage for people under age 26 led to a 1-percent reduction in uninsurance, equating to a 0.8-percent decrease in workers' compensation claim frequency, and a roughly 1-percent decrease in overall claim costs.

    Nov 22, 2016

  • Prescription drug bottles


    Implementing a Drug Formulary for California's Workers' Compensation Program

    This report supports the California Division of Workers' Compensation's efforts to establish a drug formulary by comparing existing workers' compensation formularies and analyzing options for designing and implementing the formulary.

    Aug 25, 2016

  • Network diagram with a lock


    The High Cost of Hacks

    The cyber insurance industry can play a critical role in informing corporations about effective security controls, monitoring the use of those controls, and therefore help reduce the probability and magnitude of breaches. But it may be squandering this opportunity.

    Mar 9, 2015

  • Elderly woman with case worker


    Targeting of SSDI Program Could Be Improved by Reducing the Variation in Initial Determinations

    Though consistency in applying disability assessment criteria is intended, it is not easily achieved in practice. For many SSDI applicants, whether they are allowed or denied benefits depends upon the examiner to which their application is assigned.

    Mar 20, 2012

  • A man under an umbrella while it's raining percentage symbols

    News Release

    RAND Corporation, Risk Management Solutions Launch New Company to Develop Liability Insurance Tools

    The RAND Corporation, Risk Management Solutions, Inc. (RMS) and private investors have launched a company named Praedicat, Inc., that will provide consulting services and software to the property and casualty insurance industries.

    Mar 14, 2012

  • Report


    Collecting on Low-Value Claims Would Provide Medicare with Little Revenue and Substantial Reporting Costs

    Effective January 1, 2012, Medicare will require insurers and self-insured companies to report settlements, awards, and judgments over $5K that involve a Medicare beneficiary. Over three years the $5K threshold will be phased out and all claims will have to be reported—but the potential revenue recovered from low-value claims may not be worth the reporting costs.

    Jun 21, 2011

  • Report


    Third-Party Litigation Funding and Claim Transfer: Trends and Implications for the Civil Justice System

    In July 2009, the UCLA-RAND Center for Law and Public Policy convened a conference to assess the regulatory implications, effect on dispute resolution, and trends in the development of third-party litigation funding.

    Mar 16, 2010

  • Research Brief

    Research Brief

    Reducing Michigan Auto Insurance Rates

    Higher auto insurance rates in Michigan lead to a high proportion of drivers without auto insurance. Introducing options or fee schedules for personal injury protection coverage could help lead to broader, more-affordable choices.

    Mar 4, 2010

  • Content


    Lloyd Dixon

    Director, RAND Center for Catastrophic Risk Management and Compensation; Senior Economist
    Education Ph.D. in economics, University of California, Berkeley; B.S. in general engineering, Stanford University; B.A. in political science, Stanford University

  • Content


    Denis Agniel

    Education Ph.D. in biostatistics, Harvard University; A.M. in biostatistics, Harvard University; M.S. in statistics, University of Illinois, Urbana-Champaign; B.S. in statistics, Loyola University Chicago; B.A. in philosophy, Loyola University Chicago

  • Content


    Sara E. Heins

    Associate Policy Researcher
    Education Ph.D. in health policy and management, Johns Hopkins Bloomberg School of Public Health; B.A. in biology, Cornell University