How Many People File Injury Claims?

It was an insurance research group that reported that there was a decline in auto accident rates but an increase in personal injury claims because of the increasing involvement of lawyers. As the executive director of this non-profit group said, they are realizing real improvements in car safety and a reduction in actual auto accidents but they’re not getting the safety dividend because the changes in claim behavior tend to use up all of the savings. He has released a study showing that the number of personal injury claims has increased dramatically in the states of California, Arizona, Louisiana and South Carolina and in certain urban areas, most notably in Philadelphia, Los Angeles and Chicago.

When it comes to the claim files that they look at, a very high occurrence of serious injuries happen in states and cities with high injury claim frequencies. The reason why such cases account for nearly half of all the auto insurance dollars paid for highway injuries is because more people have attorneys and most of them report neck and back sprains. In the case of the question of whether or not the nature of the injuries which are the easiest to feign indicates an increase in exaggerated or fake claims, no rational explanation is possible here and this is why people can be led to such a conclusion.

With regard to his comment in this case, he said that either the people in California are hyper sensitive or that they’re making claims people don’t make in other places. There has been a nationwide increase when it comes to the ratio of injury claims to property damage claims, about 30 percent since 1980, according to the Trends in Auto Bodily Injury Claims study. More lawyers can be found in California than in any other state and they have more than any country outside the United States and the highest injury against property damage claim ratio can be found here.

Arizona comes in second and then there is Louisiana and South Carolina. Philadelphia actually had the highest ratio with an average of 75 injury claims awarded per 100 property damage accidents from 1985 to 1987. With a ratio of 60.6, Los Angeles ranked in second and with 52.1 came in Chicago at third.

In this case, you can see that there is a link between areas with alarming personal injury claims and those which have consumer activism and moves to limit insurance rates. When it comes to auto insurance limits in all California, Arizona, Louisiana, and South Carolina, there are moves to legislate them. Their insurance rates are being inflated by these excessive claims.

He said lawyers seek to build up claims by sending clients to doctors and chiropractors. With regard to this, the lawyer tries to build up a claim even if the client did not intend to fake a claim. To see if they are OK, the lawyer will tell them to visit doctors and chiropractors. This is how lawyers try to make a medical history.

When a lawyer is involved, medical expenses for claims average about $5,000 higher than those which did not involve a lawyer. Normally, the claimant can receive another $2 in pain and suffering for every $1 in actual medical expenses and this is why lawyers build up claims. According to an earlier study by the Insurance Research Council, the number of cases where lawyers were involved increased 42 percent. He suggested a 1977 Supreme Court decision where barring restrictions on advertising by lawyers contributed to the proliferation of lawyer involvement in personal injury cases.

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Published by: Admin on December 24th, 2010 | Filed under Attorneys Personal Injury
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