As insured's needs change, artificial intelligence (AI)-based technologyis changing as well. Thistransformation  dare Isaydisruption  isimpacting the insurance industry and creating challenges forseveral types of carriers. New technologies and related evolvingconsumer trends are creating new risks. Digital and AI-basedtechnologies can help insurers deal with these changes, and inother cases are both the disruption's cause and the remedy.

Technology is making waves

Digital technologies create conveniences and other opportunitiesfor consumers. But at the same time, these trends create new challenges forinsurers. Consider these emerging disruptive trends and therisks they create:

— Drones:I recently bought a small drone, and what struck me the most washow dangerous it is. What if I lost control in a crowded area? Whatif I lost control and caused a car to crash? Then I saw thehigh-end quads and realized what the real danger is. These thingshave four and a half mile ranges. Although the Federal AviationAuthority bans flight about 400 feet, the facts is, I have seenYouTube videos of flights well above that. Now the risk involvesdrones potentially interacting with airplanes; the liability andphysical damage risks are significant.

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