Auto Casualty Claims
8 MIN READ
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.
Behavioral Health Trends in Workers’ Compensation
3 MIN READ
This study looked at all lost-time (LT) claims with dates of injury 1/1/2025–12/31/2025, valued at 15 months (3/31/2026) to determine the impact of behavioral health treatments on the costs of a workers’ compensation claim. We looked at the impact of behavior health treatments (identified by diagnosis and/or CPT treatment codes) on the total medical costs of claims, the total medical treatment duration days, and the frequency of the different types of behavioral health diagnoses.
Workers’ Compensation Medical Claims
8 MIN READ
Medical severity — not overall claim frequency — emerges as the defining trend across the 2022–2025 loss years. Enlyte data is consistent with NCCI and WCRI reporting, overall workers’ compensation claim frequency remains flat to declining nationally. The notable change within this dataset is not the number of claims occurring across the system, but rather how medical services are being delivered, accessed, and utilized within existing claims.
Macro Signals: Workers’ Compensation and Personal Auto
16 MIN READ
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.
Macro Signals: State of the P&C Industry
7 MIN READ
Claims management does not operate in isolation. It responds to — and reflects — broader economic, legal and structural forces shaping the insurance market. Pricing cycles, inflationary pressures, labor dynamics, medical cost trends, litigation patterns and capital market performance all converge to influence loss ratios and operational strategy.
What’s Driving P&C Executive Decision-Making in 2026
6 MIN READ
Casualty and workers’ comp executives continue to face evolving economic, regulatory and claim challenges in 2026. Enlyte CEO Alex Sun discusses these issues and explains why P&C leaders who incorporate solutions based on disciplined execution, data and AI, are best equipped to protect margins and improve outcomes.
Enlyte’s Medical Price Index – Q1 2025 Report
5 MIN READ
As reported by the Bureau of Labor and Statistics (BLS) in January 2025 for December 2024, the United States consumer price index increased to 2.9% over the preceding 12 months which is 0.5% higher than reported in October 2024.
Stay Ahead in P&C
Get monthly insights from Enlyte experts to tackle your toughest claims challenges.