A report showed that bodily injury costs are down, so how can they be the cause of rates going up?

The data presented in the report only looks at short-term results. It’s like saying unemployment in Alberta is no longer an issue because there was an increase in job creation during a one-month period. That is, clearly, not accurate. Why? Because trends in any data set are not found in short-term snapshots; they develop over time. Independent experts, including the independent rate regulator’s actuary, have collected and analyzed a lot of long-term data which shows claims costs going up. Interested in reading this data? Here are the links to the 2016, 2017 and 2018 reports.