This PowerPoint report explores in depth the factors affecting the frequency and severity of auto losses. It discusses how underwriting results have come under pressure because of the increases in both the accident rate and the size of the average auto insurance claim. It features an analysis of the growth and profitability of private and commercial auto insurance across the country, focusing on states in the Midwest, West and South. It discusses how depressed investment yields will influence underwriting and pricing. The presentation also discusses how weather affects the number and size of auto insurance claims; economic phenomena that drive the line of business; and the future of auto insurance. Also discussed are the sharing economy and other issues with the potential to disrupt the industry.
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