Quotes Chimp is interesting to note that over 50 percent of all insurance payouts are made for property damage and not for personal in�juries. It is worth pointing out that insurance industry schemes to limit your rights to recover for personal injuries you have suffered in an auto accident leave untouched this important area of insurance company overhead. Could it be that the personal injury lawsuit crisis the insurance industry complains so bitterly about is really a mirage? We think so.