The Amtrak engineer at the controls of a speeding train that derailed in Philadelphia last year, killing eight people, was distracted in the moments before the accident.

Underwriting is one of the few areas in the insurance industry that has yet to use technology to the fullest.

One of the foremost experts in this line offers his perspective on what changes need to occur in order to keep pace with changing demographics and injury exposures, from bureaucracy and waiting periods to state variations.