CHAPTER FIVE

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Break Down the Hypothesis

CHANCES ARE YOU THINK you are a better-than-average driver. Almost everyone does. And for that reason, you probably think that auto insurance is fundamentally unfair. You send in your premium each month, and where does the money go? It pays for the mistakes of all the other drivers—the bad drivers. Making matters worse, when you have your one-and-only accident, your insurance company punishes you by raising your rates.

Sharp customer dissatisfaction is a wide-open door for an innovator. Yet this particular door remained open for decades, perhaps due to the dominance of risk management professionals in the ...

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