yeah Ryan, there's a little more to it but that's pretty much on the money
EDIT: no one ever stays on the system for too long.....eventually there's a payout once injuries have settled and once a % of disability has been established.
The Pain & Suffering component of the claim used to be a large part of the payout but not anymore....that was drastically reduced years ago.
Past & partial future Loss of Income is a large part of the claim.
Medical Expenses......past, present and partial future is another large part of the claim.
Once the claim has been settled, insurance companies have been known to go after the drivers at fault to try & recoup some of their losses if he or she was drunk, on drugs, unlicenced....etc, etc.