Auto insurers must go beyond rate to lower losses

Underwriters must move beyond the "blunt force of
rate" to address the frequency and severity issues blighting
personal and commercial auto lines, according to Zurich's head
of North America Commercial Insurance Paul Horgan.
Speaking at the Advisen Casualty Insights conference in New York
last week, the executive said auto profitability challenges had to
be addressed by the industry.
"Rate is important, but it's not just rate. It's
driver selection, training, getting safety programmes right. The