Previous estimates were largely based on claims data, but Carfax dove into service records to glean the true scope of the problem.

In light of the upcoming appeal, a federal judge in Camden, New Jersey, stayed proceedings in a separate business-interruption insurance case pending the outcome of the Supreme Court case.

"Here, Estep contends that his accident occurred while he was loading his car with luggage, which was part of a greater mission of returning home to Chesapeake with that luggage," Judge Frank K. Friedman wrote on behalf of the majority. "Simply put, transporting luggage is a valid and expected use of a vehicle, and one cannot transport the baggage without first packing the vehicle."

Finding top talent is a challenge – with the cost of hiring being one of those challenges.