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How many transformative technologies can one industry endure in a 12-month period? Transformative itself may be the early favorite for Word of the Year in insurance technology if it’s not beaten out by another serious contender: disruptive.

We may go out of our way to place too much pressure on one piece of technology—such as telematics—to lead the industry into the promised land, but despite the hype it’s hard to argue that the use of cloud computing is going to have a powerful effect on the industry.

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