Insurers take stock of claims observed in 2012 in the car and home. If the decline in claims frequency, and therefore their cost borne by insurers increases. Inflation will have an impact on insurance rates. Not (yet) major natural disaster this year. And yet insurers are already accusing the coup. Although the frequency of car accidents decrease (-2% for material damage, -4% for bodily injury), as well as the claims in house fire (- 4.8%), according to the latest figures from the profession on first eight months of the year (see tables below)., but their cost is increasing: 2% for auto accidents materials, 5% for auto injury claims, +5% for glass breakage and + 5% for flights voiture.Une rising cost of claims that will logically impact insurance rates for 2013 ... Price inflation Parts On the car, the increase in the cost of bodily injury claims is due to inflation of judicial decisions on compensation for serious cases, that is to say, in respect of damage to physical or mental faculties, of pain or irreparable moral harm. The French Federation of Insurance Companies and indicates that these cases represent 2% of the total number of claims, but 50% of their amount. As the cost of higher and higher compensation for damage, it is largely due to the cost of repairs and parts. Knowing that, according to the Competition Authority (Opinion 12-A-21 of 8 October 2012), insurers support operations 85% of body. And the cost of claims for glass breakage increased by a further 5% this year. Floreal Sanchez, in charge of the technical direction of Macif, note also that the little episodes of local hailstorms
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