How Car Insurance Providers Segment Personal Injury Claims

Over 99% of personal injury cases are settled, most before the case is even filed. In recent decades, large insurance corporations such as State Farm, Allstate, and Geico have optimized their systems of claim evaluation, enabling them to increase their profits to the tune of millions of dollars.

Beginning in the 90s, with the help of consulting giants such as McKinsey, car insurance providers began dividing auto injury claims into categories for the purposes of simplifying their methods of resolving these cases. This process, known as claims segmentation, has helped the insurance companies streamline the handling of their growing injury claim caseload and ultimately minimize claims payments. Instituted by Allstate in 1995, the Claims Core Process Redesign, or CCPR, was the first of these systems that are now commonplace among the insurance conglomerates.