If technology has done one thing in the personal lines world ofinsurance it is to increase the competitive nature among carriers.Through advances in automated underwriting and easier connectivitythrough the Internet, insurers of all sizes are going after thesame customers.

"Carriers are trying to understand what is in the hearts and minds of the consumers they aretrying to attract, how they can differentiate themselves in themarketplace, and how the consumers of the future want to be servedand interact with carriers," says Rebecca Amoroso, vice chairmanand U.S. insurance industry leader for Deloitte

Deloitte recently published a report on the subject: "The Voiceof the Personal Lines Consumer: Buyers in the Driver's Seat."

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