Insights
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.
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.
Evolving Access to Care: How Provider Supply and Network Stability Are Shaping Injured Individual Experiences in 2026
5 MIN READ
Access to timely, appropriate medical care remains one of the most important drivers of recovery, claim progression, and overall experience for injured individuals. But in 2026, the access story is no longer defined solely by provider shortages. Instead, it is shaped by a more complex care environment in which provider mix, geography, health system dynamics, technology, new care access points and network stability all influence how and where care begins.
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.
Pharmacy Patterns as Predictors of Workers’ Compensation Claim Complexity
10 MIN READ
Workers' compensation claims vary dramatically in complexity, duration, and cost. While some injured workers recover quickly with minimal intervention, others experience prolonged disability requiring extensive medical treatment. Pharmacy data provides a unique window into claim trajectory, often revealing patterns that predict complexity before other clinical indicators emerge.
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.
End-to-End Claim Insight: Identifying Risk Early to Protect Outcomes and Cost
10 MIN READ
An employee strains a shoulder lifting inventory. On day one, the injury looks routine. The diagnosis is familiar, and the treatment plan feels straightforward. Nothing about the claim seems especially concerning.
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