The 2012 ratings outlooks differ among property/casualty insurance lines because of "divergent trends," according to an A.M. Best report. The ratings agency has a stable outlook for the personal-lines market for 2012, as the segment is expected to continue to perform well, with auto insurers experiencing "adequate and stable returns." The commercial-lines segment, however, gets a negative outlook overall, as "negative rating actions will outnumber positive actions during the year," the ratings firm said.

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