2012 Motor Loss Ratios decreased.

Prices of Workmen Compensation insurance continue to fall, a fact that has become standard since 2004.
The only time I had registered negative growth rates was in 1950.

The application of internal models of ACTUARIAL Group demonstrates a significant reduction in the level of capital of insurers and banks in terms of risk pooling.
Only in this way reductions achieved can be very significant at the aggregate Value at Risk. This effect also join possible reductions in modeling the market risks, credit and subscription business (the latter only on insurers).

The huge disparity between Basis Technichal and criteria used in provisioning Workmen Compensation claims can produce distorted comparisons between insurance Accounts.

Forgetting the company over provisioning, the differences level of provisions among insurers may reach 69%.
If there are companies that do not use actuarial methods to all liabilities and when they use them have bases techniques for lower cost, they end up having insurance apparently a better accounting and solvency margin greater competitive ability in most branches of insurance business.
The consideration of general actuarial methods would certainly have some impact on management control of enterprises, whether by year of occurrence, either by calendar year, which would alter many pricing decisions of some insurers.