The future is anyone’s guess but if you want to brace yourself for technology-related subrogation complexities on the horizon, then you should listen to Guy Fraker, director of business trends and foresight at State Farm Mutual Insurance Co., as many attendees did Monday at the annual NASP conference.

At the management-track session, “The Future of Subrogation,” Fraker presented attendees with a muddled reality for which there are currently no easy answers. The new normal is that rising technologies that affect insurance are hitting the consumer market space at a rate that is vastly ahead of the policy procedures of most insurers. As a result, the lines of culpability are becoming increasing gray. In addition, many emerging technologies haven’t been adequately tested, and questions remain about the effectiveness of certain developments made through alliances and joint ventures.

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including and

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including, and
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2022 ALM Global, LLC. All Rights Reserved.