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The insurance industry must recognize and adapt to today's digital disruption. Agencies and carriers that fail to do so will be left behind as customers turn to digital businesses.

Google plans to test 200 vehicles, which will have top speeds of 25 mph. Self-driving cars are expected to reach 11.8M by 2035.

Driverless cars are becoming a realityand 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.

Some insurance observers predict that the gradual evolution of driverless cars will spell the end of auto insurance as we know it. Others just see it as a (car) door opening to the future.

When profits stall in auto, insurers can enhance other lines of business to bolster overall profitability.

When profits stall in auto, insurers can enhance other lines of business to bolster overall profitability.

Increased gadgetry will make cars more expensive insure, repair, and safeguard from thieves. Will auto policyholders want an OEM LIDAR system, or a knock off from China?

Increased gadgetry will make cars more expensive insure, repair, and safeguard from thieves. Will auto policyholders want an OEM LIDAR system, or a knock off from China?