Market Trends Reporter
Insurance risk intelligence — total-loss frequency signals, EV claims exposure, regional cost variance, and replacement cost monitoring
Purpose
Insurance pricing is set in advance against losses that occur over a policy term. When the market shifts — a segment depreciates 20% faster, replacement costs rise in a particular region, or EVs start totaling at twice the rate of ICE equivalents — every policy written at the old rates is mispriced. Underwriters and claims managers who detect these shifts in real-time market data, before they show up in actual loss ratios, have a chance to adjust reserves and recalibrate premiums ahead of the loss cycle.
Market Trends Reporter for insurers generates four interlocking analyses: (1) fastest and slowest depreciating models ranked by total-loss risk score, (2) EV vs ICE claims exposure with the depreciation premium quantified and the parity timeline estimated, (3) regional claims cost variance for reserve calibration by state, and (4) new car replacement cost monitor showing which models require above-MSRP settlements for new-vehicle total-loss claims. Every output closes with a role-specific recommendation — reserve adjustment, premium recalibration, or claims policy update.
How It Works
Execution flow. MCP tool calls are shown inline on each step.
get_sold_summaryCalls get_sold_summary with ranking_dimensions=make,model, inventory_type=Used, top_n=50 for the most recent complete month. Baseline for total-loss risk ranking.
get_sold_summaryRepeat call for same month one year ago. YoY depreciation rates with minimum 100 sold units per model period. Total-loss risk score = depreciation rate × volume weight — models with high depreciation AND high insured volume have the greatest claims exposure.
Top 15 fastest depreciators = highest total-loss risk (vehicles approaching claim thresholds faster). Bottom 15 = lowest total-loss risk (strong value retention, lower claim severity). Each entry includes claims impact narrative with threshold arrival projection.
↔ Parallel Execution
get_sold_summaryCalls get_sold_summary with fuel_type_category=EV for SUV, Sedan, Pickup body types for current and prior year periods. EV average sale price per segment.
get_sold_summaryParallel calls with fuel_type_category=ICE and Hybrid for the same body types and periods. EV depreciation premium = EV depreciation rate - ICE depreciation rate. Premium quantifies the additional collision/comprehensive exposure for EV policies.
get_sold_summaryCalls get_sold_summary with summary_by=state for the subject make/model. Calculates national average replacement cost and per-state variance. Premium markets = higher claim severity requiring reserve uplift. Discount markets = lower severity but settlement must still reflect local replacement cost.
get_sold_summaryCalls get_sold_summary with inventory_type=New, ranking_measure=price_over_msrp_percentage. Models selling above MSRP: total-loss settlements at MSRP undercompensate — bad faith exposure. Models below MSRP: MSRP settlements may overcompensate — reserve release opportunity.
MCP Tool Calls
| Tool | Calls | Purpose |
|---|---|---|
get_sold_summary | 9–15 | Current/prior depreciation ranking, EV vs ICE by segment (current + prior), regional state variance, MSRP positioning new vehicles |
search_active_cars | 3 | Active listings for top 3 highest total-loss risk models |
predict_price_with_comparables | 3–5 (optional) | Replacement cost validation for claims cost benchmarking |
Example Output
MARKET TRENDS REPORT — Insurer Edition | February 2026 ════════════════════════════════════════════════════ HIGHEST TOTAL-LOSS RISK MODELS (Accelerating Claims Severity) Rank Make/Model Current Avg Prior Avg Rate % Risk Score Action ───── ────────────────────── ─────────── ────────── ────── ────────── ────────────────────────── 1 Nissan Leaf $18,200 $24,100 24.5% 9.4 ⚠ Increase collision reserves 2 Chevrolet Bolt EV $19,800 $25,700 22.9% 8.7 ⚠ Increase collision reserves 3 Ford Mustang Mach-E $31,400 $39,200 19.9% 7.8 ⚠ Review premium adequacy Claims impact: A Leaf insured at $24,100 now has FMV of $18,200. Total-loss threshold = $13,650 (75%). Any repair estimate over $13,650 = total loss. More claims will total as value falls while repair costs remain constant. EV CLAIMS EXPOSURE TRACKER (SUV Segment) Metric Value YoY Change ─────────────────────────────── ────────── ────────── EV SUV Avg Sale Price: $46,100 -8.2% ICE SUV Avg Sale Price: $37,200 -1.1% EV-to-ICE Gap: $8,900 (23.9%) Narrowing ↓ EV Depreciation Rate: 2.4%/mo ICE Depreciation Rate: 0.8%/mo EV Depreciation Premium: +1.6%/mo ← additional premium required Underwriting action: EV SUV collision/comprehensive premiums should carry a 1.6%/mo × policy_term depreciation premium vs ICE SUV equivalent. REGIONAL CLAIMS COST MAP (Toyota RAV4, Used) Most expensive states: CA $34,100, WA $33,800, MA $33,200 Cheapest states: MS $27,200, AL $27,800, WV $28,100 National average: $30,900 | State-to-state spread: $6,900 (+22.3%) Reserve action: Policies in CA should carry a +10.4% claims cost loading. Using national average reserves in California understates total-loss settlement cost by ~$3,200 per claim. NEW VEHICLE REPLACEMENT COST ALERT Models requiring above-MSRP settlement: Toyota Tundra +4.1%, Tacoma +3.2% Action: Total-loss settlements at MSRP undercompensate by $1,800–$2,400 per claim. Adjusters must use actual transaction cost, not MSRP, for these models.
Cost Estimate
10 risk reports/month ≈ $2–5
Limitations
- US-only — requires get_sold_summary which covers US sold transactions only.
- Total-loss risk score requires minimum 100 sold units per model per period for statistical reliability.
- EV parity analysis requires sufficient EV sold volume per body type — EV pickup data may be thin in earlier periods.
- Regional replacement cost map at state level may show high variance for models with low state-level volume (< 30 sold units).
- Replacement cost monitor tracks market transaction prices vs MSRP — does not capture transportation/destination or dealer-specific fees.
More in the Insurer Plugin
Same Capability, Different Plugin
These skills share the same underlying methodology but are tuned for a different audience.
Lenders use the same depreciation data for advance rate decisions — a model's total-loss risk score for insurers is the same model's residual risk signal for lenders, derived from identical market data.
View in Lender →Appraisers use the same depreciation rankings to calibrate individual valuation adjustments — the insurer's reserve action signal and the appraiser's trend adjustment are different uses of the same market intelligence.
View in Appraiser →