Insurance Insight Digest

P&C carriers are advancing from AI pilots to operational models that pair automation with human oversight and new data sources.

• Leaders reach 90%...

Connecticut filings show personal auto and homeowners rate decreases, but only for certain policyholders.

• Auto decreases: 19 filings from 14...

Data-driven pricing succeeds only when actuarial models connect directly to underwriting decisions and policy systems.

• Article 1 shows...

Florida mandates only PIP and property damage liability, but UM coverage is automatically included with any bodily injury liability policy unless...

Price drives 86% of auto insurance switches, and bundling no longer shields carriers.

• Bundled and unbundled customers switch at nearly identical...

The McCarran-Ferguson Act keeps insurance firmly under state control, letting each jurisdiction dictate rates, policy forms, agent licensing, claims...

Insurers need AI platforms that retain sources, decision logic, ownership, and change history so every underwriting or claims conclusion becomes...

• MCRIG debut: Moody's forms the Casualty Risk Intelligence Group with AXA XL, Convex, Marsh, RenaissanceRe, Tokio Marine and Travelers to pool...

Tying pricing upgrades to full core replacements can cost insurers years of commercial gains and heighten failure risks.

• Phased wins: A dedicated...

Arity's acquisition of INRIX assets is positioned to combine its driving behavior and risk insights with broader transportation intelligence,...

Five identical complaints filed October 20, 2026, accuse State Farm, GEICO, Allstate, Progressive, and Liberty Mutual of infringing two patents on...

Consumers now treat auto insurance as an ongoing value comparison, with 72% of shoppers open to switching and price outweighing loyalty in most...

• Scale of action: GEICO must refund $10.5 million to 15,000+ New Jersey drivers after charging above approved rates, averaging ~$700 per affected...

Underwriting decoupled from investments: Ategrity posted a record 84.7% combined ratio and $19.5 million underwriting income, up 83.7%, while net...

Daimler’s Detroit Connect system feeds real-time driving, location, and engine data into commercial auto underwriting via a new Geico partnership...

• Governor Hochul announced 16 arrests statewide for staged car crash scams, charging 29 felonies and two misdemeanors over nearly $500,000 in fake...

Same driver and vehicle can yield quotes differing by nearly $5,000 yearly due to carriers' proprietary models that weight factors differently.

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• P&C recovery: Farm bureau insurers posted $2.9B in underwriting income for 2025, ending four straight years of losses, with H1 2026 on pace for...

Global commercial rates fell 5% in Q3—the ninth consecutive quarterly decline—after a 6% drop the prior period, driven by strong insurer results,...

• Who needs one: Drivers without owned cars, such as those between vehicles, borrowing occasionally, renting often, or using car-sharing apps.
• Core...