So You Think Your Claims Are Bad?

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Trends: Causation

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Trends: Causation

• Over 50% of our large loss injuries involve a back injury ($179 Million total) Lumbar (lower) regions account for 50% of back injuries Cervical (neck) regions account for 25% Average large loss when back injury is involved = $560K

• Brain injuries are the costliest large loss. They average nearly $700K.

* Total percentage is over 100% as some injuries involve more than one body part. 16

Trends: Injuries

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Trends: Departments

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Trends: Departments

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Trends: Departments

• CRL has identified 40 large loss WC claims to date that address seat belt utilization within claim reports (i.e. yes or no to seat belt used).

• 27 (67%) of those cases have reported no seat belt use.

• Average large loss claim cost when no seat belt used is 32% higher (or approx. $200K higher) than when it is used.

• The worst loss with no seat belt: $5.25 Million

• The worst loss with seat belt used: $1.04 Million

The average time to buckleyour seat belt: 2.7 seconds1

1 http://www.themissouriinjurylawyer.com/2012/01/17/bottom-line-wearing-a-seatbelt-will-keep-you-alive-healthy-and-safe/

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Trends: Seat Belts

• CRL has 18 large WC losses involving firefighters. 13 (or 72%) of those losses are from volunteers……totaling $11.7 Million in losses.

• Of those 13 volunteer cases, 10 (or 77%) were caused by motor vehicle accidents.

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Observations: Volunteer Firefighters

• Emergency Services (Law Enforcement, EMS, Fire) produce the highest frequency and severity of large claims. This is true for all lines of coverage (Auto, GL, WC)

• Are county pools allocating loss control resources appropriately to these emergency services?

• Are the right people doing the training?

• Some loss control activities will be complicated (Emergency Services Policies and Procedures, hiring, etc.), but some are very simple (Seat Belts).

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Trends: Conclusions

Questions or Comments?