Our Perspective

  • Spotlight on Commercial and Personal Auto

    By Gary Ragusa and José González |November 20, 2018|English

    After several years of challenged results and rate responses, have Commercial and Personal Auto rates caught up with the trend? Industry loss ratios suggest that many carriers are still playing catch-up. With ultimate liability loss ratios above 70%...

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  • Driving Under the Influence of Marijuana

    By Bill Baumann |June 20, 2018|English

    As more states legalize marijuana for medical and recreational use, there is a rising concern about the risk of people getting behind the wheel while high. Marijuana can slow reaction time, impair judgment and distance, and decrease coordination. After...

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  • Starts and Stops With Autonomous Driving in the U.S.

    By Charlie Kingdollar|April 09, 2018|English

    Autonomous vehicles, both cars and trucks, are being tested in at least a dozen states across the U.S. Commercial use has already begun with autonomous tractor-trailers hauling cargo and rideshare firms transporting passengers in cars in several locations....

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  • Automated Driving - Impact on Loss Costs Until 2035

    By Mathias N. Schubert (guest contributor)|March 23, 2018|English

    The effects of driver assistance and automated driving systems on road safety and accident loss costs are the subject of numerous and often speculative prognoses. For some, a massive reduction of road accidents and attendant loss costs is more or less...

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  • How to Avoid Florida’s Bad Faith Minefield

    By Tim Fletcher |March 07, 2018|English

    It starts innocently enough - a seemingly routine “rear-ender” car accident that involves a policyholder wintering in Florida. The claimant driver of the other vehicle quickly seeks medical treatment and attorney representation. Then the...

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  • Recent New York Court Decision Poses Peril for Out-of-State Liability Insurers

    By Tim Fletcher |January 24, 2018|English

    New York-domiciled insurers have long been aware of N.Y. Ins. Law Section 3420, which prescribes requirements for liability insurance policies that are “issued for delivery” in New York. These requirements include specific time frames within...

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