Private Passenger Auto Insurance Losses, 2007-2016 (1)
  Liability
  Bodily injury (2) Property damage (3)
Year Claim frequency (4) Claim severity (5), (6) Claim frequency (4) Claim severity (5), (6)
2007 0.90 $13,361 3.46 $2,847
2008 0.91 14,067 3.42 2,903
2009 0.89 13,891 3.49 2,869
2010 0.91 14,406 3.53 2,881
2011 0.92 14,848 3.56 2,958
2012 0.95 14,690 3.50 3,073
2013 0.95 15,441 3.55 3,231
2014 0.87 16,642 3.65 3,289
2015 0.91 16,743 3.72 3,484
2016 1.00 16,110 3.86 3,683
  Physical damage (7)
  Collision Comprehensive (8)
Year Claim frequency (4) Claim severity (5) Claim frequency (4), (9) Claim severity (5), (9)
2007 5.20 $3,109 2.48 $1,524
2008 5.35 3,005 2.57 1,551
2009 5.48 2,869 2.75 1,389
2010 5.69 2,778 2.62 1,476
2011 5.75 2,861 2.79 1,490
2012 5.57 2,950 2.62 1,585
2013 5.71 3,144 2.57 1,621
2014 5.95 3,158 2.80 1,566
2015 6.04 3,362 2.73 1,672
2016 6.14 3,435 2.76 1,748
(1) For all limits combined. Data are for paid claims. (2) Excludes Massachusetts and most states with no-fault automobile insurance laws. (3) Excludes Massachusetts, Michigan and New Jersey. (4) Claim frequency is claims per 100 car years. A car year is equal to 365 days of insured coverage for one vehicle. (5) Claim severity is the size of the loss. (6) Includes loss adjustment expenses. (7) Excludes Massachusetts, Michigan and Puerto Rico. Based on coverage with a $500 deductible. (8) Excludes wind and water losses. (9) Includes glass losses. Source: ISO®, a Verisk Analytics® business.