Many property/casualty insurance carriers polled by Towers Watson said they rely on predictive modeling for personal auto coverage. The survey results, however, may not accurately reflect the industry's dependence on predictive modeling, said Towers Watson's Brian Stoll. "We didn't weigh by market share. If you start with the top 10 carriers, they all model and have been for years. If you look at this from a market share standpoint, you probably have 95% doing [predictive modeling], and the rest are planning on it," Stoll said.