美国商业汽车责任保险在2024年损失49亿美元,原因是索赔、通货膨胀和修理费用不断增加,造成14笔直接承保损失。 U.S. commercial auto liability insurance lost $4.9 billion in 2024 due to rising claims, inflation, and repair costs, marking 14 straight underwriting losses.

美国商业汽车保险连续14次承保损失,2024年损失49亿美元,其驱动因素是责任索赔增加、通货膨胀和修理费用增加,尽管实际损坏保险带来15亿美元的利润。 U.S. commercial auto insurance has posted 14 consecutive underwriting losses, with a $4.9 billion loss in 2024 driven by rising liability claims, inflation, and higher repair costs, despite physical damage coverage turning a $1.5 billion profit. AM的最佳报告负债合并比率在2024年达到113,准备金短缺45亿美元,Sentry、Chubb和州农场等主要保险商的比率超过120。 AM Best reports liability's combined ratio hit 113 in 2024, with a $4–5 billion shortfall in reserves, and major insurers like Sentry, Chubb, and State Farm saw ratios over 120. 虽然效率的提高减少了承保费用,但费率的提高没有跟上成本的增长,促使企业降低实际损害的覆盖范围,从而有可能进一步损失。 Though efficiency gains have reduced underwriting expenses, rate increases haven't kept pace with cost growth, prompting businesses to drop physical damage coverage, risking further losses. 虽然 State Farm 和 Liberty Mutual 等一些保险公司报告了强劲的整体利润，但商业汽车责任的持续无利可图可能会导致承运人重新考虑他们参与该业务。 While some insurers like State Farm and Liberty Mutual reported strong overall profits, the persistent unprofitability of commercial auto liability may lead carriers to reconsider their involvement in the line.