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How Car Insurance Providers Segment Personal Injury Claims

accident compensation

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.  

Since its implementation, bodily injury claims for car accidents have decreased in favor of property damage claims concerning the vehicle. When vehicle damage is sufficient to bring a property damage claim, the trend has been that such claims are now more likely to be brought rather than bothering with a personal injury claim against these large insurers and their software programs designed to minimize payouts. By creating these categories, including divisions such as First Call Settlements and Minor Impact Soft Tissue (MIST) cases, insurers have been able to lower their liability and stabilize their approach to personal injury claims.  

For more information on how car insurance companies segment personal injury claims, or for help navigating your potential claim, contact KI Legal Personal Injury by calling (212) 404-8605 or emailing




This information is the most up to date news available as of the date posted. Please be advised that any information posted on the KI Legal Blog or Social Channels is being supplied for informational purposes only and is subject to change at any time. For more information, and clarity surrounding your individual organization or current situation, contact a member of the KI Legal team.  


KI Legal Personal Injury fights for victims of a wide array of personal injury claims, from Motor Vehicle Accidents to Scaffolding and Ladder Falls to Slip/Trip & Falls, amongst others. By leveraging its multidisciplinary foundation and, with the help of its experienced litigators, KI Legal Personal Injury can fight for the results and compensation that victims deserve without pushing for premature settlements due to financial reasons. This financial paradigm shift swings the pendulum in our favor when it comes to negotiating with insurance carriers, inherently leading to better results for clients. For the latest updates. 

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