Auto coverage is by far the most widely adopted use case for User Based Insurance (UBI), with insurers offering drivers insurance based on how far, how well, when, and even why they drive. (Photo: Stanisic Vladimir/Shutterstock.com) Auto coverage is by far the most widely adopted use case for User Based Insurance (UBI), with insurers offering drivers insurance based on how far, how well, when, and even why they drive. (Photo: Stanisic Vladimir/Shutterstock.com)

Regulation, technology and globalization have significantly changed the insurance industry over the last few decades.

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