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Old 05-29-2018, 10:39 AM
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tometom tometom is offline
Join Date: May 2004
Favorite beer: Homebrew
Posts: 13,238

Does your data include the insured's portion of the claim? Gross/Net of Deductible? We record it both ways, so it's possible a 0 payment is simply a claim that didn't exceed the deductible. It's still an amount if you are trying to model ground up loss.
If I had some duct tape, I could fix that.
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