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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.

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