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Granted, how long that can be sustained is questionable—since personal auto liabilities are relatively short tailed, improved loss experience will hit ratemaking analyses quickly. Not only will regulators likely push for insurers to reduce rates due to system transparency—the market should re equilibrate to favor vehicles with autonomous features. Insurers that are able to adapt their underwriting guidelines and rating algorithms to better attract and price favorable risks and account for these new technologies stand to gain the most. Insurance operations will also need to evolve to serve new products, customers, and channels and to address the technological advancements enabled through the future mobility ecosystem. To help realize both top and bottom line growth, insurers should create new products and services aligned with the needs of customers in the four future states. They will need to build expertise in new systems and technologies. They will need to more quickly and accurately price risk and underwrite policies. And they will need to leverage new sources of data throughout the insurance value chain. While market change may be incremental at first, a set of unique sales, underwriting, and claims processing needs are already beginning to take hold. Insurers are well advised to start planning now and developing strategies to lead the market, rather than pivoting later in response to changes. The latter may be risky, especially in an environment as dynamic as this one.

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and that is something that I am proud of. So my question is, how come Canadians travel to the US to get medical care if your healthcare system is excellent?We have seen mostly Canadians' license plates in Mayo Clinic parking lot here in Minnesota. In Ontario we don't pay monthly health premiums but yearly health premiums, and for a middle class person like myself I only pay $600 dollars a year which is included in my Income tax. For my parents who are retired they pay $200 for the both of them per year. For that $600 dollars a year I don't have to worry about having to pay huge bills if I break my arm and need medical care or having to fight with an insurance company to get it paid for. I go to the emergency department and it's taken care of in the order of URGENCY!Obviously someone with a broken arm or chest pain is going to get seen by a doctor faster than someone with a cough or sore thumb. And if I have a cold I can go to a walk in clinic and not have to worry about having money to pay for it, and the longest I've ever waited was 30 minutes at a walk in clinic. I have never had to wait longer than 2 hours in an emergency room to see a doctor and I live in Northern Ontario which is notorious for having shortages of doctors. There are some bad examples out there but there are a lot of really good examples out there that get ignored. I have never had a bad experience with any of the doctors/nurses I've seen nor had any member of my family or friends. And for medical care that's not covered under Provincial Health Care you have "benefits" from your employer BLue Shield is the group I go through that covers eye care, dental care, physiotherapy, prescription drugs, etc.