Like many people, I'm too focused on the here and now to see beyond the pile of work blocking me from a fast exit from the office, but there comes a time when people need to look ahead and prepare for all the possibilities—even ones that stretch the limit of your imagination.

That's what insurance is all about, right? W encourage customers to plan for the future, yet wedon't always follow our own good advice.

Planning for the future is supposed to make us feel good inside, but if you read the article I wrote on the recent Celent report (A Scenario: The End of Auto Insurance) you could come away scared for the future of personal auto insurance over the next 15 years.

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