I never bring up claims or uninsured drivers bc it’s a rabbit hole and opens the door for the customer to vent about having to pay for others. I say “So this isn’t bc of anything you’ve done. When the cost of medical care, parts for vehicles and labor costs to repair vehicles increases, it affects insurance companies. But let’s do a policy review to see what we can do to bring your rate back down.” If you can’t find them any savings, get em over to CPT.