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Combined Loss and Expense Ratios 100. Graphic: Combined Loss and Expense Ratios 100. Insurance Companies’ Reserves 100. Average Claim Costs 101. Graphic: Estimated Total Loss per Indemnity Claim 1993 - 2005 101. Current State of the Insurance Industry 101. Market Share 101. Graphic: California WC Market Share by Type of Insurer 102 ................
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