What percentage of claims goes towards injury when there are claims for both injury and property damage under the 90/10 rule?

The 90/10 rule is a guideline used in the insurance industry to allocate claims between injury and property damage. According to this rule, 90% of claims costs are typically expected to be attributed to bodily injury, while the remaining 10% would go towards property damage. This breakdown reflects the reality that personal injuries generally result in higher claim amounts due to medical expenses, lost wages, pain and suffering, and potential long-term impacts on the injured party's quality of life.

When applying this rule to scenarios where both injury and property damage claims exist, it indicates that a significant majority of the overall claim costs—specifically 90%—will be associated with injuries sustained, illustrating the more substantial financial impact of personal injuries compared to property damage. Thus, the correct percentage of claims related to injury under the 90/10 rule is indeed 90%.