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Notes from the above table that the rate of increase in claims costs in 2015 and which the company incurred losses of $ 65,093,282 due to the change in the estimated value of the claims was not announced and premium reserve deficit and this is due to the automotive sector where it was dedicated to the inability of the value of work in installments of $ 41.4 million, and the provision for claims that have not advertised at $ 55 million in the first quarter of 2016 was a $ 18 million of provisions and reserves
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