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Driverless cars are becoming a reality—and their impact on insurance may be even greater than the Affordable Care Act, says Valerie Raburn, vice president and chief innovation officer for the insurance division of Xerox.

Looking roughly 15 years into the future—when experts say driverless vehicles will be sold for commercial use—Raburn sees a world in which elderly baby boomers and driving-averse millennials rely on driverless vehicles for transportation.

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