His personal assistant instructs him to take three pictures of the front right bumper area and two of the surroundings. As soon as the car stops moving, its internal diagnostics determine the extent of the damage. When Scott pulls into his destination’s parking lot, his car bumps into one of several parking signs. The additional amounts are automatically debited from his bank account. It also alerts him that his life insurance policy, which is now priced on a “pay-as-you-live” basis, will increase by 2 percent for this quarter. Scott’s assistant notifies him that his mobility insurance premium will increase by 4 to 8 percent based on the route he selects and the volume and distribution of other cars on the road. Scott’s personal assistant maps out a potential route and shares it with his mobility insurer, which immediately responds with an alternate route that has a much lower likelihood of accidents and auto damage as well as the calculated adjustment to his monthly premium. Upon hopping into the arriving car, Scott decides he wants to drive today and moves the car into “active” mode. His digital personal assistant orders him a a vehicle with self-driving capabilities for a meeting across town. Welcome to the future of insurance, as seen through the eyes of Scott, a customer in the year 2030.
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