ECONA LUBE AND TUNE SHOPS THAT HAVE 2 LOCATIONS IN SO. CALIFORNIA. GETTING NON RENEWED DUE TO LOSSES. OVER 100% LOSS RATIO. MOST OF LOSSES IS STILL ON RESERVE. THE RESERVE LOSS WAS WHERE INSURED BACKED OUT AND HIT A PEDESTRIAN. OTHER LOSSES ARE WHERE ENGINE HAS BLOWN UP DUE TO BAD FILTER OR NOT PUTT...