Have the number of reported claims held steady? They seem to forget about all the claims that are submitted and are found to be without merit. Still have to pay expenses on those.
Have the insurance companies defended more vigorously in the last couple of years? Again this would make the paid claims decrease but increase the claim expenses.
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Have the number of reported claims held steady? They seem to forget about all the claims that are submitted and are found to be without merit. Still have to pay expenses on those.
Have the insurance companies defended more vigorously in the last couple of years? Again this would make the paid claims decrease but increase the claim expenses.