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Reserve releases for U.S. P&C insurers through 2011’s third quarter totaled $11.4 billion—a 14 percent decrease compared to the same time period in 2010, according to Moody’s Investors Service.

The ratings agency also said in a Special Comment that while commercial lines still show overall redundancy, reserves for the most recent accident years (2009 and 2010) are likely deficient.

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