Insurance Payout for Injuries, Number of Damage Claims Far Higher than National Average The high costs of injury claims and large number of damage claims from auto accidents in New York are far above the national average, keeping the price of auto insurance in the state high. The costs drivers associated with medical care, auto repair, litigation and fraud are behind New York's high auto insurance rates, not the profits of auto insurance companies, Bernard L. Bourdeau, president of the New York Insurance Association, told the Assembly Standing Committee on Insurance.