If you're using XL2007 use COUNTIFS over SUMPRODUCT

If running pre XL2007 use concatenation on '85_08', let's assume column C is available:

'85_08'!C2: =$A2&":"&$B2
copied down to C10800

Your SUMPRODUCT then becomes a standard COUNTIF

=COUNTIF('85_08'!$C$2:$C$10800,'09 YTD Auto Claims'!G38&":A")

Less elegant but more efficient.