The National Association of Insurance Commissioners (NAIC) uses a coding scheme to classify the severity of an injury and its outcome. This can be used to separate malpractice claims into similar impact groups.
Severity of Injury Scoring System (SIS)
Code
emotional injury only
1
insignificant injury
2
minor temporary
3
major temporary
4
minor permanent
5
significant permanent
6
major permanent
7
quadriplegia, brain damage, lifelong care
8
death
9
Limitations:
• Having only 1 entry for emotional injury seems to lump mild and serious reactions.
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