Motor claims in western Georgia: seasons worth watching

Imereti motor books have a winter they do not always code. Windscreen work bunches after frost. Water on the Kutaisi bypass after a long rain produces a different cluster: more third-party property, slower closings, more arguments about who braked. If you average a calendar year, the frost week and the rain week become “motor is up.” That sentence is true and useless.

When we draw settlement pace for a western Georgia motor book, we keep month marks on the page. A renewal pack should say which months were weather and which months were handler load. Underwriters who know the region already expect the frost. They do not expect you to hide a junction that has produced three open injury files while the rest of the book is quiet.

None of this requires a catastrophe model. It requires first-notice dates and a willingness to print a year as twelve bars instead of one ratio. If your listing starts at policy inception and ignores notice dates, the seasonal picture will be a guess. We would rather leave the guess out.