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On-Demand Insurance

The on-demand culture has been rapidly growing over the past decade. Groceries, car rides and dinners can all be purchased and promptly delivered with the touch of a button and insurance is catching up. At the 2019 Pinnacle U event, we presented on the topic of on-demand insurance and what its future may hold. We partnered with Noah Sierer, an Illinois State University student, to provide examples of current insurers and the market’s potential.

Michigan No-Fault Reform—Has the Time Finally Come?
Greg Frankowiak June 04, 2019 Posted in: Blog Posts, News, Personal Lines
In what has started to become a fairly regular occurrence, new proposals for reform of the current Michigan No-Fault automobile insurance system (also known as Personal Injury Protection or PIP for short) have once again surfaced in the state legislature. Just in the last few weeks, both the Michigan State Senate and State House advanced bills that contained many potentially significant changes to the way injuries occurring from automobile accidents are handled by insurance. 
Sharing is Caring... But What About the Risks?
Chris Cortner December 20, 2018 Posted in: Blog Posts, General, Homeowners, Personal Lines, Ridesharing
The ease of entry into the sharing economy has introduced new risks to many who would have otherwise been full- or part-time employees unconcerned by business operational liabilities. These days, just about anyone can be on either side of the equation – as a service provider or purchaser. Among the most popular of these activities are ride sharing, home sharing, car sharing and on-demand labor. Here are some typical risk solutions for them.
Autonomous Vehicles and the Future of Auto Insurance
On March 18th a transportation network company’s (TNC) self-driving car hit and killed a woman in Arizona. This crash brings up insurance questions similar to those generated by the December 31, 2013 fatal accident that first brought the issue of ridesharing and insurance into the spotlight. Transportation network companies wanted personal insurers to cover the exposure, but insurance industry trade groups believed commercial insurance should apply from app on to app off. This led insurance trade groups, insurers and TNCs to develop a compromise model bill. Since then, 48 states and the District of Columbia  have enacted TNC legislation. It also prompted insurers to create new products for TNC drivers.
Recent Trends in Personal Auto Insurance Costs
Recently emerging cost trends in the world of personal auto insurance have disrupted an environment previously known for its underwriting profitability and predictable claim severity patterns. During the past year, we have seen increasing pure premium trends across all major coverages. What is driving these trends? Will they continue into the future? And might current private passenger automobile rating plans account for variables affecting these pure premium increases?
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