麦肯锡：互联革命：美国汽车保险的未来（英文版）（11页）.pdf

1、Insurance PracticeConnected revolution:The future of US auto insurance Autonomous mobility has the potential to dramatically transform the automotive insurance market,from underwriting to claims and beyond.September 2022This article is a collaborative effort by Corey Bourbonais,Tanguy Catlin,Xueqi C

2、hang,Russell Hensley,Philipp Kampshoff,Doug McElhaney,and Gavin McPhail,representing views from McKinseys Insurance and Automotive&Assembly Practices.metamorworks/Getty ImagesMost consumers are used to buying a car and insurance separatelyand the latter can be a laborious process.Consider a hypothet

3、ical US consumer of the future,Jane,who acquires her first semiautonomous car,attracted by its connected technology and advanced-safety capabilities.Crucially,it comes with insurance that calculates her premium payments by automatically assessing her driving in real time through the wireless connect

4、ivity feature incorporated into such vehicles.As she drives her new car,the vehicles system senses risks both when she is driving manually and when she is in autonomous mode.Jane receives helpful feedback on how to drive efficiently to conserve energy and to manage insurance costs,and she has access

5、 to a wealth of real-time information,including current per-mile insurance costs and energy usage rates.During one particular drive,Jane receives an important call and switches on the autonomous-driving option so she can focus on her conversation.After the call,she switches back to manual drivingand

6、 both her car and her insurance adjust in real time.While shes driving the car,insurance liability lies with her.But while the autonomous mode is engaged,liability shifts seamlessly to the manufacturer.As Jane continues on her journey,software engineers monitor the driving effectiveness of her vehic