Casualty Insurance for Automobile Owners [Discussion]

Mr. Michelbacher has furnished a comprehensive survey of conference forms and underwriting practices with an explanation of rate-making methods useful not only to the student but also so interestingly and lucidly written it may be read to advantage by automobile owners and others who may have an interest in the subject. My comments are few and they are principally confined to references which perhaps emphasize, as outlined by Mr. Michelbacher, the difficulties confronting the underwriters in their rating work.