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In the presentations I give around the country, I usually provide an update on the auto insurance industry. We’re in an interesting cycle to say the least.

The recession caused customers to drop coverage, and we’ve reached an uninsured motorist rate of over 14 percent, according to the Insurance Information Institute. LAE is creeping upward and we’re seeing loss frequency edging up, too, despite a combination of high fuel prices and the recession. The larger problem, however, remains the customer base.

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