The cost of auto claims have been climbing steadily over the past decade. Costs driven by medical care and auto repairs have increased — on average, insurance claim costs for bodily injuries rose 42% and collision coverages are up 17% during the past decade. You will find that these costs are at all-time high.
Today's cars are more sophisticated, which makes them more expensive to repair. Cars have improved safety technology and are installed with high-tech computers. Body shops must use advanced diagnostic tools that require specialized training by technicians, which increases labor costs.
There are some common factors in the states that have seen the largest increases in accidents, such as traffic congestion, distracted driving, increase in miles driven and changing demographics, particularly more senior or young drivers, traffic congestion and others. These factors have traditionally affected the number of accidents.