Auto liability bodily injury severity has become one of the most closely watched metrics in personal and commercial lines pricing -- and the trend is not improving.
Medical costs, lost wages, and pain and suffering damages are all trending upward in bodily injury claims. Attorney representation rates on auto liability claims have increased, which statistically correlates with higher settlement values regardless of injury severity.
Carriers are responding with more rigorous early investigation, stronger relationships with defense counsel, and data-driven evaluation tools that assess litigation risk on individual claims at early notice.
The carriers managing auto liability severity most effectively are those with claims philosophies built around early, fair resolution -- not just aggressive defense -- because they understand the total cost dynamics of protracted litigation.
#AutoLiability #BodilyInjury #ClaimsSeverity #PersonalLines #CommercialAuto
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