Autonomous vehicles & mobility transition

Autonomous and shared mobility threaten to reshape personal auto insurance, but the industry hasn't built products for AV maintainers, repairers and the gig-meets-AV transition.

Analysis:

AV insurance is a future market that will eventually be very large, but timing is uncertain. The transition from personal auto to commercial fleet/AV coverage will create opportunities for startups that build products for the hybrid period. Early movers face the challenge of a market that may take 10+ years to materialize at scale.