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Increased auto insurance claims volumes and higher-than-average severity can be expected in areas where precipitation levels are higher than average. (Photo: Shutterstock)

We haven’t reached the end of 2019, and the United States has already experienced several severe weather events, including a polar vortex and many hailstorms in the Midwest, massive flooding in the Northern Plains, and heavy El Niño rains in California.

Weather plays a critical role in claims impact — both the frequency and severity of auto physical damage claims, and it is common to observe seasonal changes in industry data.

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