Moreover, says Robert Hartwig, of the Insurance Information Institute, an American trade body, most existing non-life policies are nondiscretionary.

此外，(美国商业组织)保险信息研究所[注3]的罗伯特·哈特维希(Robert Hart wig)说，现有的大多数非寿险保单都是强制性的[注4]。

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"We're on the leading edge of a multidecade period of more intense tropical cyclone activity, " says Robert Hartwig, III'schief economist.

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However, the main bone of contention between the chambers is the proposed limits on lawsuits, says Robert Hartwig at the Insurance Information Institute.

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Most claims will settle in the next few months, but many will not close for years, or even decades, says Robert Hartwig at the Insurance Information Institute.

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