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- Insurance News Digest 9-26-2025
Insurance News Digest 9-26-2025
As autumn rolls in, collision risks rise with slick roads, shorter days, and increased wildlife activity. Fall is the most accident-prone season in 39 U.S. states. Warmer-than-usual temperatures may also prolong wildfire threats, adding to seasonal risk complexity.
We deliver the latest insights and developments shaping insurance, focused on insights and opportunities for those who serve the insurance industry. Stay informed on how emerging trends like current events, regulatory changes, AI, and innovative products can help you better serve your clients and partners and drive business growth.
Top 10 Articles Of The Week
Most ACA enrollees currently receiving enhanced subsidies may lose them at year-end, triggering premium spikes of up to 75%. Only 7 % of Americans say they are aware of this looming “subsidy cliff.”
In 2024, U.S. commercial auto liability suffered a record $4.9 billion underwriting loss as social inflation and rising claim severity outpace pricing. Liability losses are eroding underwriting stability despite profitable physical damage lines.
USAA agreed to settle for $5 million over allegations it collected late fees from Maryland auto policyholders and retained interest earnings. The settlement resolves claims spanning 2011–2019, pending a judge’s approval.
Super Typhoon Ragasa, packing sustained winds ~109 mph, has killed at least 15 in Taiwan and is headed toward southern China. Hong Kong and adjacent areas are bracing for severe storm impacts.
The article explores the often-overlooked risks embedded in contracts (COIs, additional insured designations, etc.), highlighting litigation exposure and agency E&O concerns. It previews a webinar addressing practical strategies for navigating these issues.
Southern California Edison and associated parties reached a $2 billion settlement to recoup wildfire-related costs, affecting insurers’ exposure in utility claims.
Banning phones for teens, especially in schools, may generate unexpected liability risk, particularly during emergencies, if policies are not legally supported.
A powerful typhoon recently killed over a dozen people in Taiwan and is moving toward China, renewing attention on catastrophe exposure and cross-border property risk.
With 57 percent of insurers viewing AI as critical over the next three years, carriers face a key decision between building in-house capabilities or partnering with third-party solutions.
CMS is preparing rule changes that may expand penalty risk for hospitals in 2026, including the new inclusion of Medicare Advantage data and tighter formulas.
Focus Of The Week: Fall Risks
Data from CARFAX show that in 39 states, fall now leads in annual accident counts, surpassing winter. Shorter daylight, slick leaves, and increased deer crossings all contribute to elevated risk.
The National Weather Service’s outlook predicts a warmer-than-average fall for most of the U.S., with precipitation trending drier in the northern Plains and wetter in the Southeast.
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