TOP INDUSTRY TRENDS TO WATCH
From macro pressures to claim-level insight, the 2026 Envision Trends Report shows what’s really driving severity, cost and complexity in workers’ comp and auto claims.
Chapter 1
Macro Trends: Setting the Stage for What’s Next
Guest contributor William Wilt, president of Assured Research, brings an independent view of the economic and market forces shaping workers’ comp and auto today. His perspective frames the critical question for claims leaders: how do these pressures translate inside the claim and what signals matter most?
Chapter 2
Claim Severity Drivers: Inside the Data
What’s driving claim costs today isn’t frequency — it’s how care is accessed, delivered, and managed. Enlyte data reveals how utilization, treatment timing, and pricing dynamics are converging to increase severity across workers’ comp and auto claims.
Percentage Change by Metric 2022–2025
Workers’ Comp
Severity Is Increasing and Becoming More Complex
Medical costs are rising as injured workers receive more services per claim, even as overall treatment duration remains stable. At the same time, a smaller subset of claims, often involving behavioral health and comorbidities, is driving longer durations and disproportionate cost.
Auto Claims
Pricing, Behavior, and Complexity Are Reshaping Severity
In auto claims, rising unit costs are offsetting gains from utilization control, while treatment duration is compressing for many claimants. At the same time, shifting driver behavior, coverage choices, and reporting patterns — especially in physical damage — are introducing new variability into claim outcomes.
Chapter 3
From Insight to Action
Understanding trends is only the first step — performance depends on how organizations respond. These perspectives examine how leading claims programs are adapting to rising complexity through earlier intervention, integrated data, and coordinated care strategies.
INSIGHT