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    <title data-rh="true">Car Owners Inundate Insurers With Claims After Hurricane Harvey - The New York Times</title><meta data-rh="true" itemprop="inLanguage" content="en-US"/><meta data-rh="true" name="robots" content="noarchive"/><meta data-rh="true" name="articleid" itemprop="identifier" content="100000005401414"/><meta data-rh="true" name="description" itemprop="description" content="Losses on hundreds of thousands of autos will put a burden on underwriters in Texas, particularly regional and local companies."/><meta data-rh="true" name="byl" content="By Mary Williams Walsh"/><meta data-rh="true" name="thumbnail" itemprop="thumbnailUrl" content="https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-thumbStandard.jpg"/><meta data-rh="true" name="news_keywords" content="Car Insurance,Hurricane Harvey,Texas,Cars"/><meta data-rh="true" name="usageTerms" itemprop="usageTerms" content="http://www.nytimes.com/content/help/rights/sale/terms-of-sale.html"/><meta data-rh="true" name="pdate" content="20170831"/><meta data-rh="true" name="utime" content="20171222041416"/><meta data-rh="true" name="ptime" content="20170831163415"/><meta data-rh="true" property="og:url" content="https://www.nytimes.com/2017/08/31/business/car-insurance-storm.html"/><meta data-rh="true" property="og:type" content="article"/><meta data-rh="true" property="og:title" content="Car Owners Inundate Insurers With Claims After Hurricane Harvey"/><meta data-rh="true" property="og:image" content="https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-facebookJumbo.jpg"/><meta data-rh="true" property="og:description" content="Losses on hundreds of thousands of autos will put a burden on underwriters in Texas, particularly regional and local companies."/><meta data-rh="true" property="twitter:url" content="https://www.nytimes.com/2017/08/31/business/car-insurance-storm.html"/><meta data-rh="true" property="twitter:title" content="Car Owners Inundate Insurers With Claims After Hurricane Harvey"/><meta data-rh="true" property="twitter:description" content="Losses on hundreds of thousands of autos will put a burden on underwriters in Texas, particularly regional and local companies."/><meta data-rh="true" property="twitter:image" content="https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-videoSixteenByNineJumbo1600.jpg"/><meta data-rh="true" property="twitter:image:alt" content="A submerged car in Houston this week. Insurers said they expected hundreds of thousands of claims."/><meta data-rh="true" property="twitter:card" content="summary_large_image"/><meta data-rh="true" property="article:section" itemprop="articleSection" content="Business Day"/><meta data-rh="true" property="article:section-taxonomy-id" itemprop="articleSection" content="104D1E63-9701-497B-8CF4-A4D120C9014E"/><meta data-rh="true" property="article:author" content="http://www.nytimes.com/by/mary-williams-walsh"/><meta data-rh="true" property="article:tag" content="Automobile Insurance and Liability"/><meta data-rh="true" property="article:tag" content="Hurricane Harvey (2017)"/><meta data-rh="true" property="article:tag" content="Texas"/><meta data-rh="true" property="article:tag" content="Automobiles"/><meta data-rh="true" property="article:published" itemprop="datePublished" content="2017-08-31T20:34:15.000Z"/><meta data-rh="true" property="article:modified" itemprop="dateModified" content="2017-12-22T09:14:16.594Z"/><meta data-rh="true" name="CG" content="business"/><meta data-rh="true" name="SCG" content=""/><meta data-rh="true" name="CN" content=""/><meta data-rh="true" name="CT" content=""/><meta data-rh="true" name="PT" content="article"/><meta data-rh="true" name="PST" content="News"/><meta data-rh="true" name="genre" itemprop="genre" content="News"/><meta data-rh="true" name="msapplication-starturl" content="https://www.nytimes.com"/><meta data-rh="true" property="al:android:url" content="nytimes://reader/id/100000005401414"/><meta data-rh="true" property="al:android:package" content="com.nytimes.android"/><meta data-rh="true" property="al:android:app_name" content="NYTimes"/><meta data-rh="true" name="twitter:app:name:googleplay" content="NYTimes"/><meta data-rh="true" name="twitter:app:id:googleplay" content="com.nytimes.android"/><meta data-rh="true" name="twitter:app:url:googleplay" content="nytimes://reader/id/100000005401414"/><meta data-rh="true" property="al:iphone:url" content="nytimes://www.nytimes.com/2017/08/31/business/car-insurance-storm.html"/><meta data-rh="true" property="al:iphone:app_store_id" content="284862083"/><meta data-rh="true" property="al:iphone:app_name" content="NYTimes"/><meta data-rh="true" property="al:ipad:url" content="nytimes://www.nytimes.com/2017/08/31/business/car-insurance-storm.html"/><meta data-rh="true" property="al:ipad:app_store_id" content="357066198"/><meta data-rh="true" property="al:ipad:app_name" content="NYTimes"/><link data-rh="true" rel="canonical" href="https://www.nytimes.com/2017/08/31/business/car-insurance-storm.html"/><link data-rh="true" rel="alternate" href="android-app://com.nytimes.android/nytimes/reader/id/100000005401414"/><link data-rh="true" rel="amphtml" href="https://mobile.nytimes.com/2017/08/31/business/car-insurance-storm.amp.html"/><link data-rh="true" rel="alternate" type="application/json+oembed" href="https://www.nytimes.com/svc/oembed/json/?url=https%3A%2F%2Fwww.nytimes.com%2F2017%2F08%2F31%2Fbusiness%2Fcar-insurance-storm.html" title="Car Owners Inundate Insurers With Claims After Hurricane Harvey"/><link data-rh="true" rel="alternate" media="only screen and (max-width: 640px)" href="https://mobile.nytimes.com/2017/08/31/business/car-insurance-storm.html"/><link data-rh="true" rel="alternate" media="handheld" href="https://mobile.nytimes.com/2017/08/31/business/car-insurance-storm.html"/>
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class="ButtonModal-container--3hzMP"><button aria-haspopup="true" aria-expanded="false" aria-label="More sharing options" class="SectionBarShare-shareButton--2f1RP"><i class="SectionBarShare-shareIcon--2Rcfq SectionBarShare-shareMenu--2ndEi"></i></button></div></li><li class="SectionBarShare-shareItem--2tuw6"></li></ul></div></div></div><header class="styles-headerBasic--3czk2"><div id="sponsor-wrapper" class="ResponsiveAd-emptyAd--3yMTH"><div id="sponsor-slug" class="ResponsiveAd-sponsoredByAdSlug--11gFU"><p>Supported by</p></div><div class="ad sponsor-wrapper" style="text-align:center;height:100%;display:block"><div id="sponsor"></div></div></div><h1 class="Heading1-heading1--20o8k styles-heading1--2Ap5d styles-toneNews--29Vp_ elementStyles-heading1--UcIYs elementStyles-toneNews--sRTft Heading1-toneNews--1Qp-U" itemProp="headline"><span class="Heading1-headline--8Qzcc balance-text">Car Owners Inundate Insurers With Claims After Hurricane Harvey</span></h1><figure class="ResponsiveMedia-media--32g1o ResponsiveMedia-toneNews--pMwMi ResponsiveMedia-sizeMedium--3hVlk styles-ledeMedia--1s9BI ResponsiveMedia-toneNews--pMwMi" aria-label="media" role="group" itemProp="associatedMedia" itemID="https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-articleLarge.jpg?quality=30&amp;auto=webp" itemType="http://schema.org/ImageObject"><div class="ResponsiveMedia-container--G2JS6 ResponsiveMedia-toneNews--pMwMi"><span class="accessibility-visuallyHidden--OUeHR">Image</span><img alt="" class="Image-image--2zb04" src="https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-articleLarge.jpg?quality=30&amp;auto=webp" srcSet="https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-articleLarge.jpg?quality=100&amp;auto=webp 600w,https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-jumbo.jpg?quality=100&amp;auto=webp 1024w,https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-popup.jpg?quality=100&amp;auto=webp 650w,https://static01.nyt.com/images/2017/09/01/business/01INSURE1/01INSURE1-superJumbo.jpg?quality=100&amp;auto=webp 2048w" sizes="((min-width: 600px) and (max-width: 1004px)) 84vw, (min-width: 1005px) 60vw, 100vw"/></div><figcaption class="ResponsiveMedia-caption--1dUVu Media-caption--wlc0l ResponsiveMedia-toneNews--pMwMi" itemProp="caption description"><span class="ResponsiveMedia-captionText--2WFdF Media-captionText--2e27a">A submerged car in Houston this week. Insurers said they expected hundreds of thousands of claims.</span><span class="ResponsiveMedia-credit--3F-q_ Media-credit--1ZFho" itemProp="copyrightHolder"><span class="accessibility-visuallyHidden--OUeHR">Credit</span><span>Edmund D. Fountain for The New York Times</span></span></figcaption></figure><div class="styles-bylineTimestamp--2J2fe styles-toneNews--29Vp_"><div class="elementStyles-byline--33rWc styles-byline--Dn1Bu styles-toneNews--29Vp_"><div class="Byline-bylineGroup--2XIy_"><p class="">By<!-- --> <a href="http://www.nytimes.com/by/mary-williams-walsh" class="Byline-bylineAuthor--d8i20 elementStyles-authors--voZdU">Mary Williams Walsh</a></p></div></div><time class="Timestamp-timestamp--3FJff elementStyles-timestamp--26VGL styles-timestamp--KJFCK" dateTime="2017-08-31" itemProp="datePublished" content="2017 - 08 - 31">Aug. 31, 2017</time></div></header><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Auto insurers were already bracing for another bad year when the downpour started in Texas, producing potentially hundreds of thousands of new claims.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">“We do know that approximately 100,000 claims have come in” as of Thursday, said Matt Stillwell, manager of governmental and regulatory communications at the Insurance Council of Texas, a trade association. He said the number was expected to climb as high as 500,000.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">“It is looking to be a huge impact on the auto insurance market,” he said.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">While homeowners’ insurance policies almost always exclude flood damage, comprehensive auto policies do cover flooding. The typical household in Houston has two cars, and Mayor Sylvester Turner urged residents to “hunker down” as <a rel="noopener noreferrer" target="_blank" href="https://www.nytimes.com/2017/08/31/us/harvey-houston-texas-flood.html" title="" class="styles-link--1Tap3">Hurricane Harvey</a> made landfall, hoping to avoid a replay of the tie-ups and crashes that killed about 100 people fleeing Hurricane Rita in 2005.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">That means few people moved their cars out of harm’s way before the flooding started. Texas drivers are not required to have comprehensive auto insurance — the type that covers flood and other types of damage. People holding only the legally required insurance — liability coverage for damage done to other people’s cars — will not have valid claims, Mr. Stillwell said.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Those who have comprehensive insurance should get a payment based on replacement value minus depreciation, if their car is a total loss.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">For insurers, the losses will affect some more than others. The big, household-name auto insurers “have sufficient geographic and product diversification to absorb the losses,” S&amp;P Global Market Intelligence said in a report on the impact of the storm and flooding on various parts of the insurance industry.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">But “some of the regional and local players could face significant hits to their earnings, and possibly their capital,” the ratings firm added.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">As a possible example, it cited Hochheim Prairie Insurance, a mutual insurer that does business solely in Texas, offering auto insurance and other personal lines. Mutual insurers are owned by their policyholders and do not issue stock in the public markets, so they cannot raise fresh capital by selling new shares.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Pam Lahodney, a vice president of marketing and underwriting at Hochheim, said in an email that it was too early for the company to assess the financial effects of the storm on its business. “At this time, our focus is to provide assistance to those members impacted by Hurricane Harvey,” she said.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">State Farm Mutual Automobile Insurance, Allstate Insurance, Farmers Insurance Exchange, National Indemnity Company (an affiliate of Geico), the Progressive Group, and Metropolitan Property and Casualty Insurance (a unit of MetLife) are among the big companies that write a large portion of their auto insurance business in Texas.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Representatives of Allstate, Progressive and MetLife said they were busy dealing with policyholders in the flooded region and it was too early to estimate the magnitude of the disaster.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Many auto insurers have been troubled in recent years by underwriting losses caused by factors unrelated to floods: texting and otherwise distracted drivers who cause accidents; increasingly complicated car components that cost more to repair; more miles driven, thanks to lower gasoline prices; and increasingly severe crashes that are raising the cost of treating the injured.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">A few large insurers, including Geico, Allstate and Progressive, have managed to avoid losses on underwriting in recent years. But in March, Fitch Ratings said auto insurers in the aggregate were reporting their weakest performance in 15 years.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">State Farm, the nation’s largest property and casualty insurer, is also the leading example of the negative underwriting trend. It reported in February that its 2016 underwriting losses on auto insurance had increased to $7 billion, from $4.4 billion in 2015. Its other lines of business were generally profitable.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">State Farm is a mutual insurer, and therefore does not have any shares whose price would swing in response to the news. Nor does it have shareholders to pressure it to turn around its financial performance quickly. Like the other insurers, State Farm seeks to earn investment income that would offset its underwriting losses.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Fitch’s analyst, James B. Auden, said the auto insurers were already increasing their rates last year in response to their rising claim costs. He cited a 7.6 percent annual increase as of February, significantly higher than the overall rate of inflation. But state regulators often limit rate increases in a given year, so more increases are likely.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Mr. Auden said the losses in Texas could drive up rates in the state, but were unlikely to affect insurance premiums elsewhere, because rate-setting is handled state by state.</p><p class="Paragraph-paragraph--2eXNE elementStyles-paragraph--3EIcW elementStyles-toneNews--sRTft">Kai Pan, an insurance equity analyst at Morgan Stanley, noted that insurance stocks generally decline immediately after a natural disaster, reflecting the possibility of big losses, then bounce back three to six months later “as losses become more defined and rates respond positively.”</p><div class="bottom-of-article"><div class="elementStyles-addendums--1S4tV elementStyles-toneNews--sRTft"></div><div class="elementStyles-printInformation--2VtfI elementStyles-toneNews--sRTft">A version of this article appears in print 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itemProp="datePublished" content="2017 - 08 - 31">Aug. 31, 2017</time></div></div><div class="RelatedCoverageNode-imageContent--396NL"><figure class="" aria-label="media" role="group" itemProp="associatedMedia" itemID="https://static01.nyt.com/images/2017/09/01/business/01WHEELS-3/01WHEELS-3-thumbLarge.jpg" itemType="http://schema.org/ImageObject"><div class=""><span class="accessibility-visuallyHidden--OUeHR">Image</span><div class="LazyImage-imageContainer--26dUd"><img alt="Storm Has Car Dealers Doing Swift Business, if They Can Open" class="Image-image--2zb04 LazyImage-lazyload--1mWsm" src="https://static01.nyt.com/images/2017/09/01/business/01WHEELS-3/01WHEELS-3-thumbLarge.jpg" sizes="50vw" data-srcset="https://static01.nyt.com/images/2017/09/01/business/01WHEELS-3/01WHEELS-3-thumbLarge.jpg"/></div></div><figcaption class="Media-caption--wlc0l" itemProp="caption description"></figcaption></figure></div></div><div class="RelatedCoverageNode-border--1A4sF"></div></a><a href="https://www.nytimes.com/2017/08/30/business/harvey-aid-sba-disaster-loans.html" class="RelatedCoverageNode-relatedcoveragenode--1pfao"><div class="RelatedCoverageNode-contentContainer--2Lq-E"><div class="RelatedCoverageNode-textContent--1GnR9"><p class="Label-label--28y05 RelatedCoverageNode-kicker--1Txv3"></p><div class="RelatedCoverageNode-textAlignment--HYYAy"><div><h2 class="Heading2-heading2--2UY6W RelatedCoverageNode-header--2WQ1P">Harvey Victims Face Hurdles, and Maybe Bills, in Getting Aid</h2></div><time class="Timestamp-timestamp--3FJff RelatedCoverageNode-timestamp--lXko3" dateTime="2017-08-30" itemProp="datePublished" content="2017 - 08 - 30">Aug. 30, 2017</time></div></div><div class="RelatedCoverageNode-imageContent--396NL"><figure class="" aria-label="media" role="group" itemProp="associatedMedia" itemID="https://static01.nyt.com/images/2017/08/31/business/31REBUILD2/31REBUILD2-thumbLarge.jpg" itemType="http://schema.org/ImageObject"><div class=""><span class="accessibility-visuallyHidden--OUeHR">Image</span><div class="LazyImage-imageContainer--26dUd"><img alt="Harvey Victims Face Hurdles, and Maybe Bills, in Getting Aid" class="Image-image--2zb04 LazyImage-lazyload--1mWsm" src="https://static01.nyt.com/images/2017/08/31/business/31REBUILD2/31REBUILD2-thumbLarge.jpg" sizes="50vw" data-srcset="https://static01.nyt.com/images/2017/08/31/business/31REBUILD2/31REBUILD2-thumbLarge.jpg"/></div></div><figcaption class="Media-caption--wlc0l" itemProp="caption description"></figcaption></figure></div></div><div class="RelatedCoverageNode-border--1A4sF"></div></a><a href="https://www.nytimes.com/2017/08/29/business/texas-damage-claims.html" class="RelatedCoverageNode-relatedcoveragenode--1pfao"><div class="RelatedCoverageNode-contentContainer--2Lq-E"><div class="RelatedCoverageNode-textContent--1GnR9"><p class="Label-label--28y05 RelatedCoverageNode-kicker--1Txv3"></p><div class="RelatedCoverageNode-textAlignment--HYYAy"><div><h2 class="Heading2-heading2--2UY6W RelatedCoverageNode-header--2WQ1P">No, Sept. 1 Isn’t Deadline for Hurricane-Damage Claims Under New Texas Law</h2></div><time class="Timestamp-timestamp--3FJff RelatedCoverageNode-timestamp--lXko3" dateTime="2017-08-29" itemProp="datePublished" content="2017 - 08 - 29">Aug. 29, 2017</time></div></div><div class="RelatedCoverageNode-imageContent--396NL"><figure class="" aria-label="media" role="group" itemProp="associatedMedia" itemID="https://static01.nyt.com/images/2017/08/30/us/30insure/30insure-thumbLarge.jpg" itemType="http://schema.org/ImageObject"><div class=""><span class="accessibility-visuallyHidden--OUeHR">Image</span><div class="LazyImage-imageContainer--26dUd"><img alt="No, Sept. 1 Isn’t Deadline for Hurricane-Damage Claims Under New Texas Law" class="Image-image--2zb04 LazyImage-lazyload--1mWsm" src="https://static01.nyt.com/images/2017/08/30/us/30insure/30insure-thumbLarge.jpg" sizes="50vw" data-srcset="https://static01.nyt.com/images/2017/08/30/us/30insure/30insure-thumbLarge.jpg"/></div></div><figcaption class="Media-caption--wlc0l" itemProp="caption description"></figcaption></figure></div></div><div class="RelatedCoverageNode-border--1A4sF"></div></a><a href="https://www.nytimes.com/2017/08/28/business/dealbook/flood-insurance-harvey.html" class="RelatedCoverageNode-relatedcoveragenode--1pfao RelatedCoverageNode-lastNode--3BBUh"><div class="RelatedCoverageNode-contentContainer--2Lq-E"><div class="RelatedCoverageNode-textContent--1GnR9"><p class="Label-label--28y05 RelatedCoverageNode-kicker--1Txv3"></p><div class="RelatedCoverageNode-textAlignment--HYYAy"><div><h2 class="Heading2-heading2--2UY6W RelatedCoverageNode-header--2WQ1P">Homeowners (and Taxpayers) Face Billions in Losses From Harvey Flooding</h2></div><time class="Timestamp-timestamp--3FJff RelatedCoverageNode-timestamp--lXko3" dateTime="2017-08-28" itemProp="datePublished" content="2017 - 08 - 28">Aug. 28, 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The typical household in Houston has two cars, and Mayor Sylvester Turner urged residents to “hunker down” as ","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.6.content.1":{"__typename":"TextInline","text":"Hurricane Harvey","formats":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.6.content.1.formats.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.6.content.1.formats.0":{"__typename":"LinkFormat","url":"https://www.nytimes.com/2017/08/31/us/harvey-houston-texas-flood.html","title":""},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.6.content.2":{"__typename":"TextInline","text":" made landfall, hoping to avoid a replay of the tie-ups and crashes that killed about 100 people fleeing Hurricane Rita in 2005.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.7":{"__typename":"Dropzone","index":2,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.8":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.8.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.8.content.0":{"__typename":"TextInline","text":"That means few people moved their cars out of harm’s way before the flooding started. Texas drivers are not required to have comprehensive auto insurance — the type that covers flood and other types of damage. People holding only the legally required insurance — liability coverage for damage done to other people’s cars — will not have valid claims, Mr. Stillwell said.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.9":{"__typename":"Dropzone","index":3,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.10":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.10.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.10.content.0":{"__typename":"TextInline","text":"Those who have comprehensive insurance should get a payment based on replacement value minus depreciation, if their car is a total loss.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.11":{"__typename":"Dropzone","index":4,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.12":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.12.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.12.content.0":{"__typename":"TextInline","text":"For insurers, the losses will affect some more than others. The big, household-name auto insurers “have sufficient geographic and product diversification to absorb the losses,” S&P Global Market Intelligence said in a report on the impact of the storm and flooding on various parts of the insurance industry.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.13":{"__typename":"Dropzone","index":5,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.14":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.14.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.14.content.0":{"__typename":"TextInline","text":"But “some of the regional and local players could face significant hits to their earnings, and possibly their capital,” the ratings firm added.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.15":{"__typename":"Dropzone","index":6,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.16":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.16.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.16.content.0":{"__typename":"TextInline","text":"As a possible example, it cited Hochheim Prairie Insurance, a mutual insurer that does business solely in Texas, offering auto insurance and other personal lines. Mutual insurers are owned by their policyholders and do not issue stock in the public markets, so they cannot raise fresh capital by selling new shares.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.17":{"__typename":"Dropzone","index":7,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.18":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.18.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.18.content.0":{"__typename":"TextInline","text":"Pam Lahodney, a vice president of marketing and underwriting at Hochheim, said in an email that it was too early for the company to assess the financial effects of the storm on its business. “At this time, our focus is to provide assistance to those members impacted by Hurricane Harvey,” she said.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.19":{"__typename":"Dropzone","index":8,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.20":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.20.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.20.content.0":{"__typename":"TextInline","text":"State Farm Mutual Automobile Insurance, Allstate Insurance, Farmers Insurance Exchange, National Indemnity Company (an affiliate of Geico), the Progressive Group, and Metropolitan Property and Casualty Insurance (a unit of MetLife) are among the big companies that write a large portion of their auto insurance business in Texas.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.21":{"__typename":"Dropzone","index":9,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.22":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.22.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.22.content.0":{"__typename":"TextInline","text":"Representatives of Allstate, Progressive and MetLife said they were busy dealing with policyholders in the flooded region and it was too early to estimate the magnitude of the disaster.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.23":{"__typename":"Dropzone","index":10,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.24":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.24.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.24.content.0":{"__typename":"TextInline","text":"Many auto insurers have been troubled in recent years by underwriting losses caused by factors unrelated to floods: texting and otherwise distracted drivers who cause accidents; increasingly complicated car components that cost more to repair; more miles driven, thanks to lower gasoline prices; and increasingly severe crashes that are raising the cost of treating the injured.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.25":{"__typename":"Dropzone","index":11,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.26":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.26.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.26.content.0":{"__typename":"TextInline","text":"A few large insurers, including Geico, Allstate and Progressive, have managed to avoid losses on underwriting in recent years. But in March, Fitch Ratings said auto insurers in the aggregate were reporting their weakest performance in 15 years.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.27":{"__typename":"Dropzone","index":12,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.28":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.28.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.28.content.0":{"__typename":"TextInline","text":"State Farm, the nation’s largest property and casualty insurer, is also the leading example of the negative underwriting trend. It reported in February that its 2016 underwriting losses on auto insurance had increased to $7 billion, from $4.4 billion in 2015. Its other lines of business were generally profitable.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.29":{"__typename":"Dropzone","index":13,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.30":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.30.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.30.content.0":{"__typename":"TextInline","text":"State Farm is a mutual insurer, and therefore does not have any shares whose price would swing in response to the news. Nor does it have shareholders to pressure it to turn around its financial performance quickly. Like the other insurers, State Farm seeks to earn investment income that would offset its underwriting losses.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.31":{"__typename":"Dropzone","index":14,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.32":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.32.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.32.content.0":{"__typename":"TextInline","text":"Fitch’s analyst, James B. Auden, said the auto insurers were already increasing their rates last year in response to their rising claim costs. He cited a 7.6 percent annual increase as of February, significantly higher than the overall rate of inflation. But state regulators often limit rate increases in a given year, so more increases are likely.","formats":[]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.33":{"__typename":"Dropzone","index":15,"bad":false,"adsMobile":false,"adsDesktop":false,"adsMobileHoldout":false},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.34":{"__typename":"ParagraphBlock","textAlign":"DEFAULT","content":[{"type":"id","id":"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.34.content.0","generated":true}]},"$Article:QXJ0aWNsZTpueXQ6Ly9hcnRpY2xlL2E4MmQ1OThjLWY1NzEtNTQ3Mi1iMDQ4LThhOWIwMTNhMTI2MQ==.sprinkledBody.content.34.content.0":{"__typename":"TextInline","text":"Mr. Auden said the losses in Texas could drive up rates in the state, but were unlikely to affect insurance premiums elsewhere, because rate-setting is 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