--- title: 2018 Lookback – Personal Auto - InsNerds.com description: What makes an insurance year profitable? Early reports are showing a strong performance for Personal Lines Auto in 2018. From pricing to technology to claim settlement, there were a number of strong wins for the industry as well as some trends that threaten the gold standard of insurance measurement – the infamous combined ratio. In image: https://insnerds.com/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg --- 2 min read # 2018 Lookback – Personal Auto [ John Bachmann ](https://insnerds.com/insights/author/john-bachmann) : Feb 6, 2019 12:00:00 AM [Insurance Industry](https://insnerds.com/insights/tag/insurance-industry) [Video](https://insnerds.com/insights/tag/video) [auto insurance](https://insnerds.com/insights/tag/auto-insurance) [Technical Insurance](https://insnerds.com/insights/tag/technical-insurance) [combined ratio](https://insnerds.com/insights/tag/combined-ratio) [personal auto](https://insnerds.com/insights/tag/personal-auto) [personal lines](https://insnerds.com/insights/tag/personal-lines) ![2018 Lookback – Personal Auto](https://insnerds.com/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg) What makes an insurance year profitable? Early reports are showing a strong performance for Personal Lines Auto in 2018. From pricing to technology to claim settlement, there were a number of strong wins for the industry as well as some trends that threaten the gold standard of insurance measurement – the infamous combined ratio. In this episode of the [Insurance Nerdery](https://www.youtube.com/channel/UC9aPOwE25Yn-ynPUm6vMAOw), Amber takes a look back at Personal Auto to uncover what made 2018 profitable and what could derail its profitability in 2019. > Also included is an easy 3-step plan to profitability, guaranteed to work for **every** organization!* *not actually easy, 3 steps, or guaranteed ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg?width=100&height=100&name=8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg?width=100&height=100&name=8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg) ### About John Bachmann Helping People Help People - that's John's true passion. 
As a Claims Leader in the insurance industry, he was able to live that passion through mentoring and coaching licensed insurance adjusters so that they were prepared to help customers and claimants through their most difficult experiences. He has been fortunate enough to lead award-winning teams of insurance professionals as well has been able to lead and participate in cross-functional capacities focusing on the improvement of the Customer Experience.
 He is currently on a mission to help improve upon the relationships between Carriers, Agencies, and Clients so that the Customer wins. He has been referred to as an "Insurance Nerd", "Claims Guy", and "Customer Experience Fan Boy" - and when asked John says he would have to agree! John also co-hosts "The Insurance Nerdery, an Insurance Nerds Production" which provides commentary about the insurance industry. - [![](https://insnerds.com/hubfs/Imported_Blog_Media/twitter-Jan-03-2025-02-07-15-7320-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/twitter-Jan-03-2025-02-07-15-7320-AM.png) ](https://twitter.com/johnbachmann80) - [![](https://insnerds.com/hubfs/Imported_Blog_Media/facebook-Jan-03-2025-02-07-10-4138-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/facebook-Jan-03-2025-02-07-10-4138-AM.png) ](https://www.facebook.com/john.bachmann1) - [![](https://insnerds.com/hubfs/Imported_Blog_Media/linkedin-Jan-03-2025-02-07-16-5412-AM.png) ![](https://insnerds.com/hubfs/Imported_Blog_Media/linkedin-Jan-03-2025-02-07-16-5412-AM.png) ](http://www.linkedin.com/in/john-bachmann) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-03-9073-AM.jpeg?width=150&height=150&name=8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-03-9073-AM.jpeg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-03-9073-AM.jpeg?width=150&height=150&name=8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-03-9073-AM.jpeg) ##### [ John Bachmann](https://insnerds.com/author/john-bachmann/) + posts Helping People Help People - that's John's true passion. 
As a Claims Leader in the insurance industry, he was able to live that passion through mentoring and coaching licensed insurance adjusters so that they were prepared to help customers and claimants through their most difficult experiences. He has been fortunate enough to lead award-winning teams of insurance professionals as well has been able to lead and participate in cross-functional capacities focusing on the improvement of the Customer Experience.
 He is currently on a mission to help improve upon the relationships between Carriers, Agencies, and Clients so that the Customer wins. He has been referred to as an "Insurance Nerd", "Claims Guy", and "Customer Experience Fan Boy" - and when asked John says he would have to agree! John also co-hosts "The Insurance Nerdery, an Insurance Nerds Production" which provides commentary about the insurance industry. ### Related Posts - [![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/pexels-truck-150x150-Jan-03-2025-02-06-01-5516-AM.jpeg?width=150&height=150&name=pexels-truck-150x150-Jan-03-2025-02-06-01-5516-AM.jpeg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/pexels-truck-150x150-Jan-03-2025-02-06-01-5516-AM.jpeg?width=150&height=150&name=pexels-truck-150x150-Jan-03-2025-02-06-01-5516-AM.jpeg) ](https://insnerds.com/understanding-commercial-auto-insurance/) [Understanding Commercial Auto Insurance](https://insnerds.com/understanding-commercial-auto-insurance/) This article originally appeared at InsNerds.com Today we continue our series introducing personal lines focused… - [![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/pexels-survey-150x150-1.jpeg?width=150&height=150&name=pexels-survey-150x150-1.jpeg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/pexels-survey-150x150-1.jpeg?width=150&height=150&name=pexels-survey-150x150-1.jpeg) ](https://insnerds.com/participate-in-the-insurance-employment-survey-2018-second-half/) [Participate in The Insurance Employment Survey - 2018 Second Half](https://insnerds.com/participate-in-the-insurance-employment-survey-2018-second-half/) Twice a year The Jacobson Group and Ward partner to survey the insurance industry and… - [![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Pexels-Advice-150x150-2.jpg?width=150&height=150&name=Pexels-Advice-150x150-2.jpg) ![](https://insnerds.com/hs-fs/hubfs/Imported_Blog_Media/Pexels-Advice-150x150-2.jpg?width=150&height=150&name=Pexels-Advice-150x150-2.jpg) ](https://insnerds.com/future-pl-insurance-agents/) [What is Going to Happen to Personal Lines Insurance Agents?](https://insnerds.com/future-pl-insurance-agents/) The average age of the U.S. insurance agent today is 59 years old. - holy… [**Share](https://www.linkedin.com/cws/share?url=https%3A%2F%2Finsnerds.com%2F2018-lookback-personal-auto%2F%3Futm_source%3Dlinkedin%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Tweet](https://twitter.com/intent/tweet?text=2018+Lookback+-+Personal+Auto&url=https%3A%2F%2Finsnerds.com%2F2018-lookback-personal-auto%2F%3Futm_source%3Dtwitter%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare&via=InsNerds) [**Share](https://www.facebook.com/share.php?u=https%3A%2F%2Finsnerds.com%2F2018-lookback-personal-auto%2F%3Futm_source%3Dfacebook%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Reddit](https://www.reddit.com/submit?url=https%3A%2F%2Finsnerds.com%2F2018-lookback-personal-auto%2F%3Futm_source%3Dreddit%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [**Email](mailto:?subject=2018%20Lookback%20-%20Personal%20Auto&body=What%20makes%20an%20insurance%20year%20profitable%3F%20Early%20reports%20are%20showing%20a%20strong%20performance%20for%20Personal%20Lines%20Auto%20in%202018.%20From%20pricing%20to%20technology%20to%20claim%20settlement%2C%20there%20were%20a%20number%20of%20strong%20wins%20for%20the%20industry%20as%20well%20as%20some%20trends%20that%20threaten%20the%20gold%20standard%20of%20insurance%20measurement%20%E2%80%93%20the%20infamous%20combined%20ratio.%20In%0D%0A%0D%0ARead%20More%20Here:%20%20https%3A%2F%2Finsnerds.com%2F2018-lookback-personal-auto%2F%3Futm_source%3Demail%26utm_medium%3Dsocial%26utm_campaign%3DSocialWarfare) [![“Rating” New Policy Language – Yea or Nay](https://insnerds.com/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-01-10-33-0613-AM.jpeg) ](https://insnerds.com/insights/rating-new-policy-language-yea-or-nay) 2 min read #### [“Rating” New Policy Language – Yea or Nay](https://insnerds.com/insights/rating-new-policy-language-yea-or-nay) [John Bachmann](https://insnerds.com/insights/author/john-bachmann) : Feb 20, 2019 12:00:00 AM “Rating” New Policy Language – Yea or Nay by John Bachmann The discussion of insurance innovation is often centered around InsurTech and the... 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Traditional by John Bachmann After spending a week at InsureTech Connect, it’s inevitable that the debates will start. ... [adjuster](https://insnerds.com/insights/tag/adjuster) [story telling](https://insnerds.com/insights/tag/story-telling) [The Nerdery](https://insnerds.com/insights/tag/the-nerdery) [adjuster life](https://insnerds.com/insights/tag/adjuster-life) [InsurTech](https://insnerds.com/insights/tag/insurtech) [insurance vlog](https://insnerds.com/insights/tag/insurance-vlog) [claims life](https://insnerds.com/insights/tag/claims-life) [The Insurance Nerdery](https://insnerds.com/insights/tag/the-insurance-nerdery) [insurance life](https://insnerds.com/insights/tag/insurance-life) [Claims](https://insnerds.com/insights/tag/claims) [insurance vlogging](https://insnerds.com/insights/tag/insurance-vlogging) [Insurance Industry](https://insnerds.com/insights/tag/insurance-industry) [insurance](https://insnerds.com/insights/tag/insurance) [Conferences & Events](https://insnerds.com/insights/tag/conferences-events) [Video](https://insnerds.com/insights/tag/video) [insure tech](https://insnerds.com/insights/tag/insure-tech) [Read More](https://insnerds.com/insights/insurtech-v-traditional) [![The One With Bill Wilson](https://insnerds.com/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-13-44-2797-AM.jpeg) ](https://insnerds.com/insights/the-one-with-bill-wilson) 2 min read #### [The One With Bill Wilson](https://insnerds.com/insights/the-one-with-bill-wilson) [John Bachmann](https://insnerds.com/insights/author/john-bachmann) : Jun 19, 2019 12:00:00 AM The One With Bill Wilson by John Bachmann We’ve all heard that there’s a perception problem in insurance. Well even within insurance there are... [story telling](https://insnerds.com/insights/tag/story-telling) [The Nerdery](https://insnerds.com/insights/tag/the-nerdery) [adjuster life](https://insnerds.com/insights/tag/adjuster-life) [insurance vlog](https://insnerds.com/insights/tag/insurance-vlog) [claims life](https://insnerds.com/insights/tag/claims-life) [The Insurance Nerdery](https://insnerds.com/insights/tag/the-insurance-nerdery) [insurance life](https://insnerds.com/insights/tag/insurance-life) [Claims](https://insnerds.com/insights/tag/claims) [Brief Interview](https://insnerds.com/insights/tag/brief-interview) [insurance vlogging](https://insnerds.com/insights/tag/insurance-vlogging) [insurance](https://insnerds.com/insights/tag/insurance) [Video](https://insnerds.com/insights/tag/video) [ownership](https://insnerds.com/insights/tag/ownership) [Read More](https://insnerds.com/insights/the-one-with-bill-wilson) ![](https://px.ads.linkedin.com/collect/?pid=7110236&fmt=gif) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "John Bachmann", "url" : "https://insnerds.com/insights/author/john-bachmann" }, "dateModified" : "2025-01-03T02:07:59.839Z", "datePublished" : "2019-02-06T05:00:00.000Z", "headline" : "2018 Lookback – Personal Auto - InsNerds.com", "image" : [ "https://insnerds.com/hubfs/Imported_Blog_Media/8f68cd3621c1ed82d89a91aeb3747462-Jan-03-2025-02-07-04-0955-AM.jpeg" ], "mainEntityOfPage" : { "@id" : "https://insnerds.com/insights/2018-lookback-personal-auto", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://insnerds.com/hubfs/InsNerds%20Large%20print%20quality.png" }, "name" : "Insurance Nerds" } } ```