Personal-lines insurers are locked in a never-ending battle formarket share—which has only intensified over the past few years asauto and homeowner's carriers struggled for organic growth during adown economy and depressed housing market.

However, while the prospects for exposure growth are lookingbrighter with unemployment declining, auto sales beginning torebound and some signs of recovery in the housing sector, insurersface more fundamental challenges beyond the ups and downs of themacro-economy.

Indeed, most carriers arereassessing their marketing, sales and service systems to adapt tothe fast-paced evolution in consumer behavior and preferences,driven primarily by advances in Web and mobiletechnologies. 

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