Texas Liability Insurance Closed Claim Data 2003

The Texas Department of Insurance (TDI) requires all malpractice carriers to submit reports of commercial liability closed claims involving bodily injury settled under Texas law. Malpractice carriers are required by TDI to submit two separate forms: a short form and a long form. For claims closed prior to September 1, 2009, the short form related to liability claims closed with bodily injury indemnity settlements over $10,000 but less than $25,000, and the long form related to those c laims with settlements of $25,000 or more. After September 1, 2009, the short form related to liability claims closed with bodily injury indemnity settlements over $25,000 but less than $75,000, and the long form related to those claims with settlements of $75,000 or more. TDI collects these forms on a quarterly basis and reviews the forms manually and electronically to monitor data quality. Insurers submit over 17,000 claims per year that account for over $1 billion in paid sett lements. TDI makes the closed claim data per calendar year and an annual report available to the public.得克萨斯州保险署（Texas Department of Insurance, TDI）要求所有医疗事故保险承保机构（malpractice carriers）提交根据得克萨斯州法律审结的涉及人身伤害的商业责任已结索赔案的报告。该署要求此类承保机构提交两种独立申报表格：简表（short form）与详表（long form）。针对2009年9月1日之前结案的索赔案，简表适用于人身伤害赔付和解金额在10000美元以上但不足25000美元的责任索赔案，详表则适用于和解金额达25000美元及以上的同类索赔。2009年9月1日之后，简表适用于人身伤害赔付和解金额在25000美元以上但不足75000美元的责任索赔案，详表则适用于和解金额达75000美元及以上的同类索赔。得克萨斯州保险署按季度收集此类表格，并通过人工与电子审核相结合的方式监控数据质量。承保机构每年提交的索赔案超过17000起，涉及已赔付的和解金额逾10亿美元。该署会将每个日历年的已结索赔数据及年度报告向公众公开。