How can I build a simple gamma distribution model in R?

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I'm currently trying to build a model with one predictor variable. I have insurance data: loss dollars and their policy limits.

I'm able to plot a histogram with the loss amounts and fit a gamma distribution to the data, but I don't get where the limit factors in. The only model I've built with limits and loss is a simple linear y = mx + b model.

This is my first attempt at modeling, if I'm missing something fundamental or basic, please let me know.

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