The July 2025 Datos Insights report on personal lines highlights several pressing trends. Insurers are rapidly repricing products due to inflation, climate-driven catastrophes, and rising reinsurance costs, often excluding coverage in high-risk areas. Consumers are responding by shopping more or exiting the market entirely, with some turning to usage-based insurance. The industry's reputation is suffering amid rising premiums and slow claims, prompting calls for better transparency and education. Personal lines are leading in AI experimentation, particularly for automating high-volume, low-complexity tasks like claims, while AI-driven vehicles are pushing auto insurance to evolve.

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