One of the things I love about the insurance industry is that it is constantly changing. While that may create headaches for some of our readers, as an editor covering the business of insurance, it provides a myriad of topics to constantly watch. From cyber threats to fraud, Worker's Comp, subrogation, fracking, wildfires, and flooding to earthquakes and luxury yachts, the topics are endless and fascinating.

Nowhere is this truer than in the field of auto claims. Technology is changing how vehicles operate (human drivers are on their way to becoming optional), cameras and sensors are preventing accidents, and insurance can be purchased online, while claims can be filed from an insured's cell phone. All of these factors will have a definite impact on the world of auto insurance.

Just as technology has permeated every other aspect of insurance, it is changing how cars are driven, how they will be insured and who will be liable if there is a crash.

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