The End of Insurance as We Know It

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The End of Insurance as We Know It Page 30

by Rob Galbraith


  [8]https://www.thetruthaboutinsurance.com/top-10-insurance-complaints/

  [9]https://www.valuepenguin.com/average-cost-of-insurance

  [10]https://www.naic.org/documents/topic_insurance_industry_snapshots_2017_industry_analysis_reports.pdf

  [11]https://www.thetruthaboutinsurance.com/top-10-insurance-complaints/

  [12]https://20somethingfinance.com/percentage-of-americans-living-paycheck-to-paycheck/

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  [14]https://www.iii.org/fact-statistic/facts-statistics-auto-insurance

  [15]https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance

  [16]https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

  [17]https://www.naic.org/documents/consumer_guide_home.pdf

  [18]https://homeguides.sfgate.com/requirements-renters-insurance-8434.html

  [19]https://www.investopedia.com/ask/answers/052515/what-usual-profit-margin-company-insurance-sector.asp

  [20]https://www.thetruthaboutinsurance.com/how-much-do-insurance-agents-make/

  [21]http://grahamsegger.com/wp-content/uploads/2012/12/04-PAE-article1.pdf

  [22]https://medium.com/@ClearcoverInc/are-you-paying-too-much-for-car-insurance-infographic-4111d289d70

  [23]https://www.naic.org/documents/topic_insurance_industry_snapshots_2017_industry_analysis_reports.pdf

  [24]https://www.naic.org/prod_serv/PBL-PB-17.pdf

  [25]https://www.naic.org/documents/topic_insurance_industry_snapshots_2017_property_casualty_industry_report.pdf

  [26]https://stories.lemonade.com/lemonade-sets-new-world-record-706ef8674110

  [27]https://www.statista.com/statistics/264968/ad-spend-of-selected-insurance-companies-in-the-us/

  [28]https://www.statefarm.com/careers/become-an-employee/career-areas/technology-and-user-experience-careers/information-technology-systems-careers

  [29]https://www.carriermanagement.com/features/2018/07/17/181820.htm

  [30]https://www.celent.com/insights/980614747

  [31]https://medium.com/@ClearcoverInc/are-you-paying-too-much-for-car-insurance-infographic-4111d289d70

  [32]https://www.irmi.com/articles/expert-commentary/attorney-fees-for-enforcement-of-settlements-in-florida

  [33]https://www.insurancejournal.com/news/southeast/2018/03/13/483042.htm

  [34]http://www.sun-sentinel.com/business/consumer/fl-citizens-seeking-aob-curbs-20161207-story.html

  [35]https://www.nber.org/chapters/c6941.pdf

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  [37]https://www.thebalance.com/aig-bailout-cost-timeline-bonuses-causes-effects-3305693

  [38]https://www.fbi.gov/stats-services/publications/insurance-fraud

  [39]https://www.iii.org/article/background-on-insurance-fraud

  [40]https://c.ymcdn.com/sites/www.thefederation.org/resource/resmgr/Events/PastConferences/2015_Winter_Handouts.pdf

  [41]https://www.fbi.gov/stats-services/publications/insurance-fraud

  [42]https://www.nicb.org/news/events/how-register-nicb-training-academy

  [43]https://www.verisk.com/insurance/visualize/auto-insurance-premium-leakage-a-29b-problem-for-the-industry/?print=1&tmpl=component

  [44]https://www.cnbc.com/2017/08/24/most-americans-live-paycheck-to-paycheck.html

  [45]https://www.bankrate.com/banking/savings/financial-security-0118/

  [46]https://www.thezebra.com/state-of-insurance/auto/2018/

  [47]https://clark.com/insurance/home-insurance-most-expensive-states/

  [48]https://www.experian.com/blogs/ask-experian/survey-findings-how-do-consumers-feel-about-credit-cards/

  [49]https://www.acted.co.uk/forums/index.php?threads/length-of-tail.10741/

  [50]https://www.businessinsider.com/warren-buffett-insurance-float-2017-4

  [51]https://www.jdpower.com/business/press-releases/jd-power-2018-us-insurance-shopping-study

  [52]https://www.insurancejournal.com/news/national/2014/04/24/327220.htm

  [53]https://www.jdpower.com/business/press-releases/jd-power-2018-us-insurance-shopping-study

  [54]https://www.ncdc.noaa.gov/billions/summary-stats

  [55]https://www.cbsnews.com/news/hawaii-volcano-explosion-kilauea-worried-hawaii-homeowners-ask-am-i-covered-for-lava-damage/

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  [57]https://www.jdpower.com/business/press-releases/jd-power-2018-us-property-claims-satisfaction-study

  [58]https://weather.com/storms/hurricane/news/2018-04-23-it-only-takes-one-tornado-hurricane-season/

  [59]https://www.earthquakeauthority.com/California-Earthquake-Insurance-Policies/Participating-Residential-Insurers-Earthquake

  [60]https://www.earthquakeauthority.com/California-Earthquake-Insurance-Policies/Homeowners

  [61]https://www.iii.org/sites/default/files/docs/pdf/HO3_sample.pdf

  [62]https://www.iii.org/article/floaters-and-endorsements-special-coverage-valuables

  [63]https://www.sfgate.com/bayarea/article/Uber-denies-fault-in-S-F-crash-that-killed-girl-5458290.php

  [64]https://abc7news.com/business/mother-of-girl-fatally-struck-by-uber-driver-speaks-out/429535/

  [65]https://www.wired.com/2014/03/uber-expands-insurance/

  [66]https://www.insurancejournal.com/news/national/2014/12/08/349143.htm

  [67]http://www.latimes.com/business/technology/la-fi-tn-sofia-liu-uber-settlement-20150714-story.html

  [68]http://iireporter.com/insurer-tnc-compromise-paves-way-for-rideshare-insurance-regulation/

  [69]https://www.naic.org/cipr_topics/topic_commercial_ride_sharing.htm

  [70]http://iireporter.com/insurer-tnc-compromise-paves-way-for-rideshare-insurance-regulation/

  [71]https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/a-50-state-commitment/insurance-companies-by-state

  [72]https://www.cnbc.com/2016/06/10/these-startups-are-out-to-disrupt-a-1t-industry.html

  [73]https://www.iii.org/article/protect-yourself-against-uninsured-motorists

  [74]https://media.ifrc.org/ifrc/world-disaster-report-2018/

  [75]https://riskcenter.wharton.upenn.edu/disaster-aid/federal-disaster-rebuilding-spending-look-numbers/

  [76]https://www.bbc.com/news/av/world-26826471/climate-change-poorest-most-vulnerable

  [77]https://www.insurancejournal.com/magazines/mag-features/2011/01/10/185786.htm

  [78]https://www.amazon.com/Upstarts-Airbnb-Companies-Silicon-Changing-ebook/dp/B01HZFB3X0

  [79]https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings

  [80]https://www.fdic.gov/householdsurvey/

  [81]https://www.forbes.com/sites/alanmcintyre/2017/05/10/banks-need-to-focus-on-a-new-customer-the-unbanked/

  [82]http://www.businessinsider.fr/us/insurtechs-want-to-enable-the-value-chain-not-disrupt-it-2018-2/?utm_content=buffer13dd4&utm_medium=social&utm_source=twitter.com&utm_campaign=buffer

  [83]https://www.insurancejournal.com/news/national/2016/02/02/397106.htm

  [84]https://www.insurancejournal.com/news/national/2016/02/02/397106.htm

  [85]https://www.berkleyhumanservices.com/wp-content/uploads/2017/08/5.07-Carriers.pdf

  [86]https://www.thinkadvisor.com/2014/11/11/13-occupations-with-worse-aging-problems-than-insu/?slreturn=20181011223815

  [87]https://www.agencynation.com/get-you-in-the-industry/

  [88]https://www.napa-benefits.org/article/using-social-media-in-the-insurance-industry

  [89]https://medium.com/@MaxWeigand/why-change-is-so-hard-the-chemistry-of-habits-f0c226f00bff

  [90]http://time.com/4176128/powerball-jackpot-lottery-winners/

  [91]https://www.today.com/health/new-study-biggest-loser-contestants-finds-ex
ercise-not-diet-key-t118250

  [92]https://www.amazon.com/Steve-Jobs-Walter-Isaacson/dp/1451648537

  [93]https://www.insurancejournal.com/news/national/2015/10/23/385779.htm

  [94]http://senahill.com/our_thinking/the-rise-of-corporate-vc-in-insurtech/

  [95]https://www.cbinsights.com/research/report/corporate-venture-capital-trends-2017/

  [96]https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358

  [97]https://www.linkedin.com/pulse/insurance-perfect-digital-product-basis-success-startups-passler

  [98]https://www.statefarm.com/careers/become-an-employee/career-areas/technology-and-user-experience-careers

  [99]https://www.insurance.ohio.gov/Newsroom/Pages/Howratesaredetermined.aspx

  [100]https://www.forbes.com/sites/moneywisewomen/2013/01/08/what-really-goes-into-determining-your-insurance-rates/

  [101]https://dzone.com/articles/ten-machine-learning-algorithms-you-should-know-to

  [102]https://thenextweb.com/artificial-intelligence/2018/08/02/a-beginners-guide-to-ai-algorithms/

  [103]https://www2.deloitte.com/us/en/pages/financial-services/articles/insurance-industry-outlook.html

  [104]https://www.capgemini.com/2017/10/how-artificial-intelligence-enables-smarter-claims-processing/

  [105]https://medium.com/geoai/swimming-pool-detection-and-classification-using-deep-learning-aaf4a3a5e652

  [106]https://www.theglobeandmail.com/report-on-business/rob-magazine/the-future-is-smart/article24586994/

  [107]https://www.ibm.com/blogs/internet-of-things/sensors-smart-home/

  [108]https://www.nytimes.com/2016/12/14/magazine/the-great-ai-awakening.html

  [109]https://venturebeat.com/2018/06/19/why-insurance-companies-are-betting-big-on-ai-powered-chatbots/

  [110]https://www.bankingtech.com/2018/03/will-ai-replace-humans-in-the-insurance-industry/

  [111]https://www.mpower.mitchell.com/sensors-claims-preventing-accidents-injuries/

  [112]https://www.prnewswire.com/news-releases/adas-market-size-worth-6743-billion-by-2025--cagr-190-grand-view-research-inc-673888973.html

  [113]https://insuretechconnect.com/companies-attending/

  [114]https://www.nytimes.com/2013/07/22/business/black-boxes-in-cars-a-question-of-privacy.html

  [115]https://techcrunch.com/2016/05/13/the-importance-of-black-boxes-in-an-autonomous-automotive-future/

  [116]https://www.insurancetimes.co.uk/news/telematics-insurance-cuts-claims-losses-by-a-third-for-younger-drivers/1428793.article

  [117]http://solutions.lexisnexis.com/123301

  [118]https://www.insurancetimes.co.uk/news/telematics-insurance-cuts-claims-losses-by-a-third-for-younger-drivers/1428793.article

  [119]https://risk.lexisnexis.com/-/media/files/insurance/brochure/26-telematicsbrochure0830-pdf.pdf

  [120]https://www.naic.org/cipr_topics/topic_usage_based_insurance.htm

  [121]https://www.ksat.com/news/san-antonios-safest-driver-contest-will-award-drivers-with-cash-prizes-of-more-than-60000

  [122]http://www.genre.com/knowledge/blog/starts-and-stops-with-autonomous-driving-in-the-us-en.html

  [123]https://www.just-auto.com/analysis/global-automotive-market-report-q2-2018_id183996.aspx

  [124]https://www.npr.org/2016/02/11/466178523/like-millennials-more-older-americans-steering-away-from-driving

  [125]http://www.umich.edu/~umtriswt/PDF/SWT-2018-2.pdf

  [126]http://fortune.com/2018/05/23/gm-general-motors-fortune-500/

  [127]http://css.umich.edu/factsheets/autonomous-vehicles-factsheet

  [128]https://www.nytimes.com/2018/03/19/technology/uber-driverless-fatality.html

  [129]https://globenewswire.com/news-release/2018/08/30/1563256/0/en/Global-Ridesharing-Market-to-witness-a-CAGR-of-16-4-during-2018-2024.html

  [130]http://cyberlaw.stanford.edu/blog/2013/12/human-error-cause-vehicle-crashes

  [131]https://www.mckinsey.com/industries/automotive-and-assembly/our-insights/ten-ways-autonomous-driving-could-redefine-the-automotive-world

  [132]https://www.iihs.org/iihs/news/desktopnews/manufacturers-make-progress-on-voluntary-commitment-to-include-automatic-emergency-braking-on-all-new-vehicles

  [133]https://www.washingtonpost.com/news/tripping/wp/2018/02/07/auto-insurance-rates-have-skyrocketed-and-in-ways-that-are-wildly-unfair/?noredirect=on&utm_term=.fd9d86fa90ce

  [134]http://fortune.com/2018/05/23/gm-general-motors-fortune-500/

  [135]https://www.autoindustrylawblog.com/2018/02/22/ride-sharing-is-already-reducing-car-ownership-and-public-transportation-usage/

  [136]http://css.umich.edu/factsheets/autonomous-vehicles-factsheet

  [137]https://www.abc15.com/news/region-phoenix-metro/central-phoenix/bloomberg-driverless-waymo-cars-could-run-commercially-in-phoenix-in-december

  [138]https://www.independentagent.com/Resources/Research/SiteAssets/MarketShareReport/default/2016%20Property-Casualty%20Insurance%20Market-Final.pdf

  [139]https://www.iii.org/fact-statistic/facts-statistics-commercial-lines

  [140]https://www.jltre.com/our-insights/publications/us-auto-insurance-the-road-ahead

  [141]https://www.cnbc.com/2018/03/08/house-flipping-hits-decade-high-but-returns-are-shrinking.html

  [142]https://www.realtor.com/news/trends/10-years-recession-boom-times-back-real-estate/

  [143]https://www.capgemini.com/us-en/2018/03/millennial-housing-trends-a-brief-look/

  [144]https://www2.deloitte.com/us/en/pages/financial-services/articles/insurance-industry-outlook.html

  [145]https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance

  [146]https://www.bbb.org/denver/hail/

  [147]https://www.technologyreview.com/s/602532/why-insurance-companies-want-to-subsidize-your-smart-home/

  [148]http://stlr.org/2017/11/22/is-your-smart-home-spying-on-you-personal-data-issues-with-the-internet-of-things/

  [149]https://www.pwc.com/gx/en/retail-consumer/assets/consumer-trust-global-consumer-insights-survey.pdf

  [150]https://www.munichre.com/topics-online/en/digitalisation/internet-of-things/six-security-facts-smart-home.html

  [151]https://www.dig-in.com/opinion/the-best-is-yet-to-come-for-amazon-echo-use-cases-in-insurance

  [152]https://www.adrearubin.com/blogs/meet-new-insurance-agents-alexa-siri/

  [153]https://theblog.adobe.com/insurance-brands-need-more-than-an-alexa-skill-to-seize-the-voice-ai-opportunity/

  [154]https://www.geico.com/alexa/

  [155]https://theblog.adobe.com/insurance-brands-need-more-than-an-alexa-skill-to-seize-the-voice-ai-opportunity/

  [156]https://viewpoint.libertymutualgroup.com/article/commercial-auto-insurance-trends-2018/

  [157]https://blog.housewares.org/2018/05/02/smart-home-mass-market-adoption-yet-2/

  [158]https://internet-of-things-innovation.com/insights/the-blog/increasing-consumer-adoption-smart-home-technology/

  [159]https://www.insurancejournal.com/news/national/2017/10/04/466398.htm

  [160]https://www.nytimes.com/2018/07/11/your-money/student-loan-debt-parents.html

  [161]https://www.propertycasualty360.com/2018/06/19/5-trends-influencing-pc-insurance-purchases/?slreturn=20180823090003

  [162]https://www.insuramatch.com/learning-center/when-your-side-hustle-requires-insurance

  [163]https://cover.com/blog/how-to-navigate-insurance-in-the-gig-economy/

  [164]https://www.forbes.com/sites/forbestechcouncil/2018/07/24/crossing-the-chasm-to-the-gig-economy/

  [165]https://cakeandarrow.com/work/gig-economy-insurance/

  [166]https://www.huffingtonpost.com/donald-j-polden-/the-gig-economy-and-the-n_b_9824270.html

  [167]https://www.economist.com/finance-and-economics/2018/04/05/insurance-and-the-gig-economy

  [168]https://www.cnbc.com/2018/08/28/about-half-of-californias-gig-economy-workers-struggling-with-poverty.html

  [169]http://research.prudential.com/documents/rp/Gig_Economy_Whitepaper.pdf?utm_medium=distribution&utm_source=newsroom&
utm_content=gc&utm_campaign=gig_workers_pdf

 

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