Consumer control. Expediting of claims is something consumers have long demanded. Dealing with a wreck is bad enough, but having to wait on a check from their insurer for weeks, or even months, can make a bad situation worse. In order to address this issue, insurance providers are giving consumers more control through mobility. Through their smartphones, consumers can file their FNOL from the site of the accident. Many insurers enable this through free apps, which also allow consumers to upload photos and even get paid electronically. More power will be transferred directly to the hands of consumers as a growing number of insurance companies offer apps; communicate with consumers through mobile channels such as social media, text, and email; and issue claims payments via ETF in 2015.

Telematics. With usage-based insurance (UBI), telematics and installed sensors transmit information about customer driving behaviors directly to the insurer. We’ll see more of this technology leveraged in 2015 and beyond as cars become more connected and autonomous technology draws closer. While some opponents have argued that this approach is a Big Brother-style overreach, it’s inevitable that the industry will move in this direction. With fully autonomous vehicles slated to take the road in the next decade or so (or even as early as 2017 according to Sergey Brin), insurance companies are facing uncharted territory when it comes to coverage. The issue of liability among the consumer, automaker, and even the technology provider, is still up in the air when it comes to autonomous technology, but insurance providers will most certainly rely on UBI as a new age of driving draws near.

While it can be difficult to predict anything in today’s technological era, I believe these three trends will continue to reshape the automotive insurance industry in 2015. The common theme among these trends is mobility — both in the traditional sense of the word, as in mobile devices and the services they provide, such as apps, as well as in the sense of how insurance companies are working with their customers. Now, insurers are examining customer behaviors in a mobile sense while customers are actually on the move in their vehicles. As mobility reshapes our world, I’m ready and eager to see its continued impact on automotive insurance in 2015. Are you?

Rob currently serves as an executive sales manager at Panasonic, where he focuses on mobility, audiovisual and security solutions within the insurance and financial industries. Before he joined the company in 2005, Rob worked with Mitchell International to support and sell 

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