echadwickb

From the rate filings available from the CA DOI page[1], it appears they are being "fronted" by State National Insurance Co (recently acquired by Merkel[2]). "Fronting" is a new concept to me, but seems to be a special type of re-insurance[3].

1. https://interactive.web.insurance.ca.gov/warff/front 2. https://www.insurancejournal.com/news/national/2019/05/02/52... 3. https://www.captive.com/news/2018/11/12/what-is-fronting-arr...

Part of what drives higher rates is expense/lack of replacement parts, which can increase the severity of the claim.