Chicago – While auto injury claims are falling in frequency, they are rising in severity, according to a new report from the Malvern, Penn.-based Insurance Research Council (IRC). The report, “Trends in Auto Injury Claims, 2008 Edition,” documents auto insurance claim frequencies and costs, both countrywide and by state, using private passenger auto claim data from national and state-level statistical reporting agencies.

The report examines recent trends for three major types of auto insurance coverage: property damage liability (PD), bodily injury liability (BI) and personal injury protection (PIP). From 2000 through 2006, PD claim frequency (the number of PD claims per 100 insured vehicles) decreased 11%, BI claim frequency decreased 19% and PIP claim frequency fell 14%. These declines in claim frequencies mirror national trends in fatality and injury rates and indicate significant progress in efforts to make vehicles, roads and highways safer for the driving public.

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