In July, 2013 the Insurance Research Council (IRC) published a compelling study entitled “Interstate Differences in Medical Utilization in Auto Injury Claims”. The study was based on a national sample of more than 20,000 BI liability claims and nearly 6,000 PIP claims closed with payment in 2012 from private passenger auto insurance companies that account for approximately 50 percent of the U.S. market1.
The study examined interstate variances in the use of common diagnostic procedures and treatments for claims where the most serious injury reported was a sprain or strain of the back or neck. These injury outcomes represented 59 percent of the BI outcomes in the study2. More specifically, the study looked at the frequency of use for each of the following: Magnetic resonance imaging, computed tomography, chiropractors and physical therapists (PT). The differences among tort states for chiropractor and PT treatments, which are the focus of this paper, are shown in Figure 13 below:
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