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车轮:7年无保修.pdf

上传人: 2*** 编号:136283 2023-08-01 56页 3.69MB

1、2C-24:Wheels 7-year,No WarrantiesJune 6,2023Moderator:John Buchanan,FCAS,Managing Principal,Verisk Underwriting SolutionsSpeakers:Marni Novack,FCAS,Actuarial Manager,Verisk Underwriting SolutionsRebecca Bredehoeft,FCAS,SVP,North America Motor Portfolio Owner,Swiss ReJennifer Stevens,SVP,Head of Regi

2、onal Casualty Treaty Underwriting and North America Liability Portfolio Owner,Swiss Re3Antitrust Notice The Casualty Actuarial Society is committed to adhering strictly to the letter and spirit of the antitrust laws.Seminars conducted under the auspices of the CAS are designed solely to provide a fo

3、rum for the expression of various points of view on topics described in the programs or agendas for such meetings.Under no circumstances shall CAS seminars be used as a means for competing companies or firms to reach any understanding expressed or implied that restricts competition or in any way imp

4、airs the ability of members to exercise independent business judgment regarding matters affecting competition.It is the responsibility of all seminar participants to be aware of antitrust regulations,to prevent any written or verbal discussions that appear to violate these laws,and to adhere in ever

5、y respect to the CAS antitrust compliance policy.4C-24 Wheels 7-year,No Warranties-Agenda Introduction Commercial and personal auto update Overall industry results through 12/31/2022 Covid/Heightened Inflation Review trends,LDFs,loss ratios,segments,ground-up vs excess,competitive underwriting cycle

6、,rate changes,emergence lags,ILF pressures Covid and heightened inflation considerations into 2023 and beyond Motor Portfolio Management perspective State of the market for commercial and personal auto Current and Future auto trends,supply chain disruption,severity etc Impact on portfolio loss ratio

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本文主要讨论了2023年汽车保险市场的现状和趋势。文中指出,自2009年以来,商业汽车保险的损失率和综合比率持续上升,2020年由于新冠疫情导致的驾驶频率下降使得损失率有所下降,但随后又反弹至高于疫情前的水平。此外,由于通货膨胀、供应链问题、劳动力短缺等因素,损失成本不断上升。个人汽车保险方面,尽管驾驶频率已恢复至疫情前水平,但物理损坏的损失严重程度却显著上升,主要原因是修理成本、汽车零件和二手车价格的上涨。文中还指出,由于社会通货膨胀趋势的影响,尤其是第三方诉讼融资的增加,责任损失的严重程度也在上升。尽管汽车保险费率有所上升,但仍不足以覆盖不断上升的损失成本。
商业汽车保险市场现状如何? 社会通胀趋势对汽车保险有何影响? 法院积压案件对汽车保险有何影响?
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