This year was another tough year for personal lines insurers and their customers.

In this space last year, I wrote that eight of the 10 most read articles of 2022 were about the impacts of inflation on auto loss costs and personal lines insurers’ strategies to react to them.

This year, articles about auto and homeowners trends—or the results of personal lines insurers—still dominate the most-read articles list. Seven out of the 10 most-viewed news articles published by Carrier Management this year are about those topics.

And they reveal a sad truth about the carrier plans to right profitability put into action last year: They haven’t worked—yet.

“Worse? Why Personal Auto Loss Ratios Are Even Higher in 2023” reads the headline of one of our more recent articles trending as a top-read article for the month of December. Also trending in December, and edging that article out to rank as CM’s two top-viewed articles for this month, are headlines that promised different directions for one large auto insurer for 2024: “What to Expect in Personal Lines: Regulatory Battles Ahead; Allstate May Drop Customers” and “Mission Accomplished: Allstate Announces Calif., NY, NJ Rate Approvals.”

There are other topics that captured readers’ attention in 2023—social inflation, layoffs and talent wars, and the possibilities and risks of using generative AI in insurance among them. Some of those are captured in the top-10 feature articles we’ll present on tomorrow’s newsletter. Today, our newsletter consists of the top 10 news articles, which are also listed below:

1. State Farm P/C Businesses Report $13B Underwriting Loss
2. Why Not Go Direct on Homeowners, Allstate CEO Asks
3. Berkshire’s Jain on GEICO Profit: ‘Don’t Take It to the Bank’; Tech Needs Rebuild
4. Berkshire Hathaway Reports First Underwriting Loss Since 2017, Drop in GEICO Staffing
5. Top Cyber Insurers: 2022 Ranking Reveals Sprinters, Market Share Shifts
6. Outlook on State Farm A++ Rating Now Negative: AM Best
7. U.S. Workers Less Motivated Than in 2022, New Data Shows
8. Jain Talks Reinsurance: Berkshire Could Lose $15B in Florida
9. Telematics Master Class: How Progressive Offers Competitive Prices
10. Laid Off Tech Workers Are About to Get Help—From Allstate