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used car versus new car sales. Right? Like, if you think about, just the recent, auto sales and
any particular components within the tariff that is more sensitive. For example, are there like, wi
on the point of severity, shouldn't theoretically we see an improvement in severity?
Autonomous driving, it's been an increasingly more topical discussion
Curious is your view on inflation going forward. I think if we had this conversation 6 months ago
is there a need to move further to the higher duration part of your fixed income portfolio?
everyone is talking about pivoting to growth. Just curious how you think about just new business retention, ad spending efficiency
will that have an impact on your frequency or severity, especially given that you just recently achieved profitability in New York
Curious how you should think about capital allocation, but also capital return at this point of the junction given market has been volatile
If homeowner competitors were to pull back, does that disrupt their bundling strategy in your view?
Should we expect your current level of combined ratio to hold for auto as you head into a environment where everyone is looking for growth?
Is this fair to kind of make some type of causal correlation between the time you achieve profitability and the time that you you start to grow the business?
can you maybe give us a little bit of the competitive dynamics there, right? You made an acquisition there this year
Maybe can you give us a little bit of color outside of Mexico in Latin America in terms of -- what is the opportunity there
as we head into 2026, can you maybe comment on your thoughts on severity?
how you plan to navigate the future of autonomous from a Personal Auto insurance context?
Do you need to maintain the current level of ad spending in an increasingly competitive environment?
if we remove the tariff as a headwind, is it fair to say that you should be able to grow much more aggressively or reduce your pricing significantly?
you talked about policy life expectancy for personal auto declined 5% due to -- due in part to business mix shift.
do you plan to take rate decreases in order to accelerate growth?
Industry seems to be facing continued headwind from litigation cost and reserve challenges
are there any lines of business right now where you feel within casualty or you feel the pricing trend is beginning to not make sense anymore.
you can essentially turn on and turn off growth. Can you maybe help us to understand how quickly you can turn that growth
any particular geography in the US where you feel it could be represented like a higher risk area