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Effective Claims Management The Other Road to ProfitabilityThe U.S. property-casualty insurance industry is enjoying its first return to profitability in more than a decade with double-digit premium growth and a combined ratio below 100 for the first time in five years. Most analysts credit this turnaround to solid pricing in a hardening market and improved fundamentals in each of the industrys main sectors: reinsurance, commercial lines and personal lines.

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