“On medication” may not be one of the check boxes on carrier claims forms, but by hunting for such a description in adjuster notes, auto insurers can improve their results, a consultant reports.

Executive Summary

There is valuable information hidden in the notes of auto insurance claims adjusters that isn't being captured in carrier's data systems, according Milliman's Philip Borba, an expert in mining the possibilities of unstructured data.

Philip Borba, a principal and senior consultant in the economics consulting practice of Milliman Inc., led an analysis of narrative information related to nearly 7,000 auto accidents recently, uncovering a statistically significant relationship between descriptions of drivers’ drug use and the severity of accidents.

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