Auto Insurance

In Part 2, we move from understanding the drivers of AV claims transformation to focusing on execution - what insurers should do to build AV-ready capabilities across their teams, technology, and operations. 

In Part 1, we explore the foundational shifts that autonomous vehicles (AVs) are bringing to the insurance industry - particularly how fault attribution, liability, and claims causality are being redefined by software-driven mobility.

Rather than inferring exposure solely from historical outcomes, commercial auto underwriters can now access leading indicators of attentiveness, distraction, and behavioral discipline.

P&C insurers face a more predictable 2026 landscape with profitable growth expected amid AI transformation.

The recovery from the hard market will be hugely uneven because so many carriers have dug such an enormous hole for themselves.

Rising premiums are driving auto carriers to transform roadside assistance into a strategic retention tool through technology partnerships.

Rising claims severity and affordability pressures create a perfect storm forcing auto insurers to rethink traditional models by 2026.

Market growth for embedded insurance exceeds expectations, with auto insurance driving $1.1 trillion projection by 2033.