Ratemaking for the Personal Automobile Physical Damage Coverages [Discussion]

My compliments go to John Kollar for the careful deliberation given and the time spent in the active role of providing us with a paper for discussion. In all honesty, however, I expected a paper much different in scope. When I was asked to review this paper I expected to receive a recipe guide for beginning student in my office to use and read before he or she began asking the imponderable questions that I will never be able to answer. Given that I am not reviewing the paper I expected to review, does that detract from my opinion of its value? Absolutely not. The paper will, I believe foster the type of discussion for which this call paper program is intended. In addition, I believe it is particularly significant that John represents a rating organization and the reviewer and independent direct writer for automobile insurance. With different perspectives, surely the author and reviewer will identify some diverging opinions that will increase the level of discussion. Auto Liability, Deductibles