Auto theft claims cost insurers $12.5 billion last year, a 17% annual increase. Average auto repair payouts rose 12% to over $5,200, driven by rising costs and more expensive electric vehicles. These figures illustrate a broader trend of escalating claim severity across all insurance lines.
Key Takeaways
- In 2022, the average claim severity for collision coverage in auto insurance was $5,244, representing a 12% increase from 2021 due to rising repair costs
- In 2022, national health insurance claim denial rate was 17.2%, with 72 million claims denied totaling $68 billion in potential payouts
- In 2022, life insurance claims paid out $1.05 trillion globally, with average death benefit of $185,000 per policy
- In 2022, homeowners insurance claims for wind and hail damage totaled $24 billion, averaging $11,400 per claim
- In 2022, workers' comp lost-time claims averaged 45 days off work, costing $42,000 per case
Insurance claims are rising steadily, making accurate documentation and timely filing more important than ever.
Related reading
01 · Category
Automobile Insurance Claims29 stats
01
In 2022, the average claim severity for collision coverage in auto insurance was $5,244,representing a 12% increase from 2021 due to rising repair costs
02
Auto theft claims in the US reached 1,007,827 incidents in 2023, costing insurers $12.5 billion, a 17% rise from the previous year
03
Bodily injury claims per 100 insured vehicles averaged 1.8 in 2022, with payouts totaling $36.4 billion nationwide
04
The average comprehensive auto claim payout for weather-related damage was $4,112in 2023, driven by hail storms in the Midwest
05
Hit-and-run claims accounted for 13% of all uninsured motorist claims in 2022, with an average settlement of $22,500
06
PIP (Personal Injury Protection) claims in no-fault states averaged $9,800per claim in 2022, totaling over $15 billion
07
Rear-end collision claims made up 29% of all property damage liability claims in 2023, with average costs of $3,900
08
Electric vehicle repair claims cost 45% more than gas vehicles, averaging $12,000 per incident in 2023
09
Distracted driving contributed to 22% of auto claims in 2022, leading to $49 billion in losses
10
Rental car reimbursement claims surged 28% post-COVID, averaging $1,200 per claim in 2023
11
Medical payment claims under auto policies averaged $5,600in 2022 for minor injuries
12
Glass damage claims increased 15% in 2023 due to larger windshields, costing $1.5 billion total
13
DUI-related claims resulted in $4.2 billion in payouts in 2022, with average severity of $28,000
14
Multi-vehicle accident claims averaged $18,700per vehicle in 2023, up 10% from 2022
15
Roadside assistance claims rose 20% in 2023, primarily for dead batteries, costing $2.1 billion
16
Vintage car claims had an average payout of $45,200in 2022 for restoration after accidents
17
Telematics policyholders filed 18% fewer claims in 2023, saving insurers $3.4 billion
18
Winter weather claims for auto insurance peaked at 450,000 in January 2023, averaging $4,500
19
Uber/Lyft rideshare claims cost $2.8 billion in 2022, with injury claims up 25%
20
Paintless dent repair claims saved $900 million in 2023, averaging 40% cost reduction
21
Fraudulent auto claims detected totaled 173,000 in 2022, preventing $1.2 billion in losses
22
Average claim for motorcycle collisions was $21,400in 2023, 4x higher than cars per incident
23
Autonomous vehicle claims dropped 30% in test fleets in 2023, averaging $8,200
24
Hail damage claims for vehicles hit 1.2 million in 2022, total cost $4.6 billion
25
Uninsured motorist claims rose 11% to 450,000 in 2023, payouts $32 billion
26
Average tow truck claim under auto policies was $450in 2023, with 8 million claims filed
27
Key fob replacement claims averaged $650in 2022, up 50% from 2019
28
Run-off-road claims constituted 25% of rural auto claims in 2023, avg $15,000
29
Adaptive cruise control failures led to 5,200 claims in 2023, costing $28 million
Interpretation
Automobile Insurance Claims Interpretation
In a landscape where distracted drivers and costly repairs collide, insurers are navigating a highway of escalating claims—from soaring electric vehicle bills and rampant theft to advanced technology mishaps—signaling a turbulent ride for premiums as risk and severity accelerate in tandem.
02 · Category
Health Insurance Claims28 stats
01
In 2022, national health insurance claim denial rate was 17.2%, with 72 million claims denied totaling $68 billion in potential payouts
02
Average inpatient hospital claim under Medicare was $14,500in 2023, up 8% from prior year due to inflation
03
Mental health parity claims saw 25% increase in 2022, with average reimbursement $2,800 per visit
04
Prescription drug claims averaged $145per claim in 2023, totaling $450 billion industry-wide
05
Emergency room visit claims cost $2,200on average in 2022 for commercial insurance
06
Outpatient surgery claims rose 15% to 12 million in 2023, average $8,900 payout
07
Telemedicine claims surged 38-fold to 1.5 million in 2022, avg reimbursement $120
08
Cancer treatment claims averaged $187,000per patient in 2023 under employer plans
09
Dental claims under health plans totaled $28 billion in 2022, with ortho at $4,500 avg
10
Prior authorization denials affected 14% of specialist referral claims in 2023
11
Maternity claims averaged $18,900for vaginal births in 2022, up 10%
12
Opioid addiction treatment claims cost $5.2 billion in 2023, avg $15,000 per case
13
Physical therapy claims averaged 12 sessions at $110each in 2022, total $22B
14
Vaccine administration claims reached 450 million doses in 2023, reimbursed at $25 avg
15
Home health care claims grew 22% to $85 billion in 2022, avg $3,200 per episode
16
Radiology imaging claims averaged $450for MRI in 2023, denied 9% of time
17
Chronic disease management claims for diabetes cost $110 billion in 2022, avg $12K/patient
18
Behavioral health inpatient claims averaged $22,000in 2023, up 18%
19
Fertility treatment claims under insurance totaled $1.8 billion in 2022, avg IVF $15K
20
Urgent care claims averaged $190per visit in 2023, 2.5x primary care
21
Hospice care claims reached 1.7 million beneficiaries in 2022, avg $12,500
22
Allergy testing claims cost $2.4 billion in 2023, avg $350 per panel
23
Sleep study claims averaged $1,200for polysomnography in 2022
24
Bariatric surgery claims under health plans were $4.1 billion in 2023, avg $25K
25
Chiropractic manipulation claims totaled 80 million in 2022, avg $55/session
26
Organ transplant claims averaged $1.2 million per kidney in 2023
27
Vision care claims for glasses/contacts hit $15 billion in 2022, avg $250
28
Autism therapy claims grew 30% to $3.5 billion in 2023 for ABA services
Interpretation
Health Insurance Claims Interpretation
In a system where a $1.2 million organ transplant is approved yet one in six routine claims is denied, we are paying a fortune for healthcare but investing a pittance in actual health.
03 · Category
Life Insurance Claims23 stats
01
In 2022, life insurance claims paid out $1.05 trillion globally, with average death benefit of $185,000 per policy
02
Term life claims denial rate was 2.1% in 2023, primarily for non-disclosure, totaling 45,000 denials
03
Cancer diagnoses led to 28% of all life insurance claims in 2022, avg payout $220,000
04
Heart disease accounted for 24% of US life claims in 2023, total $405 billion paid
05
Suicide exclusions affected 1.2% of claims in first two years, denying $2.8 billion in 2022
06
Accidental death claims averaged $1.2 million under riders in 2023, up 15%
07
COVID-19 related life claims peaked at 710,000 in 2021-2022, total $15 billion
08
Whole life policy claims averaged $120,000in 2023, with 95% approval rate
09
Aviation accident claims totaled $4.5 billion in 2022 for high-net-worth policies
10
Overdose deaths drove 18% rise in claims for ages 25-44 in 2023, avg $150K
11
Military life claims paid $1.8 billion in 2022, avg $400,000 per service member
12
Disability waiver riders paid out on 12% of life claims in 2023, avg $50K premium waiver
13
Group life claims from employers totaled $28 billion in 2022, avg $85,000
14
Murder/homicide claims averaged $300,000in 2023, 0.8% of total claims
15
Accelerated death benefits paid $3.2 billion in 2022 for terminal illnesses
16
Children's life policies claimed $450 million in 2023, avg $25,000 payout
17
Lapse rates affected 15% potential claims in 2022 due to non-payment
18
Viatical settlements on life policies totaled $500 million in 2023 claims equivalent
19
War exclusion denied 0.3% of claims in 2022, mainly overseas contractors
20
Dementia/Alzheimer's caused 10% of claims over age 80 in 2023, avg $180K
21
Contestability period disputes denied 1.5% of claims in 2022, $1.1B disputed
22
Universal life claims averaged $250,000in 2023, with cash value return avg 4.2%
23
Extreme sports exclusions denied $800 million in adventure claims 2022
Interpretation
Life Insurance Claims Interpretation
While life insurance reliably honors its grim promise—paying over a trillion dollars to survivors—the fine print reveals a world where a denied claim often hinges on a forgotten detail, a tragic exclusion, or a policy that simply lapsed before fate arrived.
More related reading
04 · Category
Property Insurance Claims26 stats
01
In 2022, homeowners insurance claims for wind and hail damage totaled $24 billion, averaging $11,400 per claim
02
Water damage claims from plumbing leaks accounted for 23% of all homeowners claims in 2023, costing $13 billion, avg $10,900
03
Fire claims under HO-3 policies averaged $83,200in 2022, with 347,000 incidents
04
Theft claims for homeowners rose 12% in 2023 to 1.1 million, avg payout $5,600
05
Roof collapse claims from snow averaged $45,000in 2023, primarily in Northeast
06
Hurricane Ian caused 1.5 million property claims totaling $50 billion in 2022
07
Appliance failure claims (washer leaks) cost $2.8 billion in 2023, avg $4,200
08
Tree damage claims to structures averaged $9,800in 2022, 450,000 claims filed
09
Vandalism claims peaked at 180,000 in 2023 urban areas, avg $3,500payout
10
Flood claims outside NFIP averaged $55,000in 2023, but only 4% have coverage
11
Kitchen fire claims totaled $1.9 billion in 2022, avg $35,000 per incident
12
Sewer backup claims rose 18% to $4.5 billion in 2023 due to aging infrastructure
13
Jewelry theft claims averaged $7,200in 2022, with 25% involving burglary
14
Garage door failure claims cost $1.2 billion in 2023, avg $2,800 repair
15
Wildfire claims in California totaled $12 billion in 2022, avg $450,000 per home
16
Mold remediation claims averaged $15,000in 2023, denied 40% for neglect
17
Earthquake claims in high-risk zones averaged $250,000in 2022, low penetration
18
Pool-related injury claims under homeowners cost $900 million in 2023, avg $28K
19
Solar panel damage claims from hail avg $18,000in 2023, up 25%
20
Basement flooding claims totaled 2.2 million in 2022, avg $7,500 payout
21
Art collection claims averaged $42,000for damage in 2023 transit events
22
Fence collapse claims from wind cost $600 million in 2022, avg $4,100
23
Wine cellar spoilage claims avg $11,500in 2023 due to power outages
24
Detached structure claims (sheds) totaled $1.4 billion in 2022, avg $6,200
25
Hoarding-related fire claims avg $150,000in 2023, higher severity
26
Smart home device failure claims rose 35% to $800 million in 2023
Interpretation
Property Insurance Claims Interpretation
Mother Nature and our own leaky, clumsy, gadget-filled lives form an expensive tag team, proving that while hurricanes get the headlines, it's the slow drip of a dishwasher, a reckless kitchen fry, or a determined squirrel that steadily bleeds the insurance coffers dry.
05 · Category
Workers' Compensation Claims21 stats
01
In 2022, workers' comp lost-time claims averaged 45 days off work, costing $42,000per case
02
Musculoskeletal disorders accounted for 33% of all WC claims in 2023, total $31 billion
03
Slip-and-fall incidents led to 25% of WC claims in retail, avg $29,000 in 2022
04
Construction industry WC claims totaled $18 billion in 2023, fatality rate 3.7 per 100k
05
Carpal tunnel claims averaged $28,500medical + indemnity in 2022, 400k cases
06
COVID-19 WC claims peaked at $12.6 billion in 2021-2022 for healthcare workers
07
Temporary total disability payments averaged $650/week in 2023, 14 million weeks paid
08
Fraudulent WC claims detected 10% of filings in 2022, saving $5 billion
09
Manufacturing sector back injury claims cost $11 billion in 2023, avg 120 days off
10
Permanent partial disability awards averaged $55,000in 2022 for knee injuries
11
Trucking industry WC claims totaled $7.4 billion in 2023, overexertion 22%
12
Hearing loss claims under WC rose 12% to 65,000 in 2022, avg $40K settlement
13
Nurse aide injuries led WC claims with 250k cases in 2023, avg $32,000
14
Return-to-work programs reduced claim costs 25% in 2022, saving $9 billion
15
Amputation claims averaged $195,000in 2023, 1,800 cases annually
16
Office worker repetitive strain claims totaled $2.1 billion in 2022, avg $18K
17
Fatal WC claims paid avg $1.2 million survivors benefit in 2023, 4,800 deaths
18
State fund WC premiums funded 65% of California claims in 2022, $22B total
19
Vibration-related disorders claims avg $45,000in construction 2023
20
Mental health stress claims under WC approved 8% in 2022, total $1.5B
21
Ladder fall claims cost $3.2 billion in 2023, 120k incidents
Interpretation
Workers' Compensation Claims Interpretation
If we let the workplace become a neglected expense column, the ledger of human cost will tally its sobering bill in days lost, lives altered, and billions spent, reminding us that safety is not a line item but the foundation of every sustainable enterprise.
Reference
Cite This Report
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APA
Elena Vasquez. (2026, February 13). Insurance Claim Statistics. Gitnux. https://gitnux.org/insurance-claim-statistics
MLA
Elena Vasquez. "Insurance Claim Statistics." Gitnux, 13 Feb 2026, https://gitnux.org/insurance-claim-statistics.
Chicago
Elena Vasquez. 2026. "Insurance Claim Statistics." Gitnux. https://gitnux.org/insurance-claim-statistics.
Sources & references
93 datasets cited across this report · attribution is report-level