This source, an excerpt from a Carrier Management "Performance Review" article, addresses the ongoing difficulties faced by insurance companies in underwriting, pricing, and reserving for commercial auto risks. Despite technological advancements and rate increases, commercial auto insurers have generally underperformed the broader property/casualty insurance sector. The article highlights that 2024 loss ratios are similar to 2023, with commercial auto significantly lagging behind the overall P/C industry. It identifies factors contributing to these struggles, including macroeconomics, litigation, and driving behavior, and outlines that the full article will explore the impact of technology and InsurTech startups on this market.