The typical U.S. household now spends 3.39% of their annual income on auto coverage.

Gambling, illicit substances, getting into cars with strangers and ignoring local safety advice top list of dicey behaviors.

Theft is becoming more sophisticated and shifting to localized incidents with the newest inclusion of AI and insider information.

Restrictions include limited industry options, a less diverse customer base and difficulty attracting and keeping top talent.

Insurers can identify potential fraud much earlier in the claims process, potentially saving billions in fraudulent payouts.

Twenty percent of Nationwide-insured cars damaged by hail are declared a total loss and taken off the road.

The condition leaves workers feeling like a fraud and undeserving of success.

Advantages include the potential to become a big fish in a little pond.