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Auto subrogation Insurers are looking for lower cost, innovative and personalized on-demand solutions for their insureds. (Photo: Shutterstock)

Remember when we were kids and TV was free? There was an antenna on the roof and we had, if we were lucky, a half dozen channels. Times have certainly changed, and we, as consumers have adapted, with hundreds of channels available to us, for a fee. Only recently, and with much reluctance, have I agreed to get rid of 300 channels available to me through cable and switched to Roku.

While I miss the experience of channel flipping, I continue to be amazed at the level of personalization these entertainment streaming services have provided. Trading channel flipping for binge-watching has provided tremendous freedom, especially thanks to the headphones on the remote that let me watch all night without waking up my wife. Lower cost, innovative personalized experience, on-demand; the value proposition insurance is looking for.

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