Subject: Re: GEICO vs Progressive
"It is puzzling to me that Berkshire, which can afford to take the long view and invest heavily if it improves the moat, doesn't seem to be doing much to up its risk assessment game. Does anyone have any informed thoughts on whether my impression is correct and, if it is, on what might explain Berkshire's failure to address this challenge thus far?"

Technology aversion? Or at least slow to consider.