The insurance companies that rethink the quoting process from the customer perspective will be positioned for market growth.

Uber has already pushed back against the new bill, saying it would not treat its drivers as employees under the California bill.

The rise of digital self-service car insurance means policyholders may be unfamiliar with the circumstances that can cause an accident claim to be denied.

When an insurance company violates its duty of good faith and fair dealing, a policyholder should have a remedy for the insurance company's breach of duty.