Auto Casualty Claims
First-party automobile medical claims reflect a market that is beginning to demonstrate measurable cost discipline after several years of steady severity growth. Following increases in allowed medical cost per claimant from 2022 through 2024, the 2025 loss year marks the first year-over-year decline in allowed cost per claimant, decreasing 0.6% from the prior year.
Macro Signals: Workers’ Compensation and Personal Auto
Workers’ compensation continues to be one of the P&C industry’s most consistent underwriting success stories, supported by sustained operational discipline rather than short‑term tailwinds.
Complex Claims Need More Than a UR Determination
Complex claims require more than a utilization review determination. Learn how connecting UR with case management, pharmacy, peer review and clinical oversight helps claims teams identify risks, remove barriers and improve outcomes.
Why Bodily Injury Claims are Being Overpaid and How to Stop It
Join Enlyte for a 30-minute discussion on why even strong claims teams are seeing leakage in bodily injury claims and why it often comes down to inconsistent demand evaluation creating unnecessary financial exposure.
The Next Generation of Claim Handlers Is Forcing a Rethink of How Referral Management Gets Done
As experienced claim handlers retire, a new generation is reshaping referral management. Discover how automation and connected workflows reduce administrative burden and support faster claim outcomes.
Turning Retrospective Review Into a Competitive Advantage
In this Enlyte Envision podcast episode, host Tom Kerr interviews experts Roland Kratzer and Alex Rose about optimizing utilization review programs for auto casualty payers.
Retail and Mail Order Prescriptions
Overall cost and utilization by claim were down in 2025 even with 6 of the top 10 therapeutic classes experiencing rising cost per script. Migraine medications rose by nearly 10%, representing the largest script cost gains driven in part by increases in brand Average Wholesale Price (AWP) including brand AWP for migraine medications increasing 2.4%. Utilization per claim also jumped in the migraine medication class (up 9.6%), while every other class within the top 10 (besides topicals, which rose 2.5%) experienced decreased utilization.
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