Within a hard insurance market, fleets have options to control costs, and carriers are turning to technology, including cameras, telemetry and artificial intelligence, to help mitigate risk and reduce premiums, Gulker said. Image The frequency and severity of nuclear verdicts do not seem to be decreasing and the cost of the average insurance claim continues to rise, Gulker says. When we do the recap and look at the telemetry data, 90% of the time, the motorist is at fault, but the first impression is it is the big rig, and they always have to defend themselves.” Social inflation, medical costs and truck replacement costs and repair rates all continue to put pressure on insurance rates as they all experience increases that are driving loss costs and severity,” said Gary Flaherty, senior vice president of excess and surplus lines, commercial auto at Nationwide. Underwriters are looking at the frequency of claims and costs,” Birge said. “