Ask participants in the Commercial Auto market to characterize the current state of that line and they’re likely to respond with one word: “Challenging.” They cite highly competitive pricing, more distracted driving and increasing frequency and severity of medical claims for current market conditions.

“You have an increase in miles driven, and that’s been a trend over recent years,” says Tony Fenton, vice president, commercial lines underwriting, Middle Market & Segments, with Nationwide Insurance. “You have a phenomenon of distracted driving pushing into the behavior on the road and, then, also some medical cost inflation continuing to push forward.”

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