CCC Crash Course 2026: What’s Driving More Complex Claims
CCC Intelligent Solutions
Higher deductibles, coverage downgrades, delayed vehicle purchases, and extended financing terms continue to influence vehicle ownership and insurance participation, according to CCC Intelligent Solutions’ Crash Course 2026: Complexity Compounds report.
This year's report analyzes the emerging forces driving greater complexity across the auto insurance claims and collision repair ecosystem – from consumer affordability pressures shaping coverage participation and claim behavior to rising repair demands fueled by advanced vehicle technology and an aging car parc.
Insights include:
- 23% of auto claims now result in a total loss – a new high
- Uninsured/Underinsured Motorist injury claims nearly doubled over the past three to four years
- Calibrations on 28% of repairable estimates, reflecting rising vehicle complexity
A full copy of the report is available here, and FenderBender will have additional analysis of the report's findings in the coming days.