The future of mobility and its impact on the automobile insurance industry

IF 1.1 Q3 BUSINESS, FINANCE

Risk Management and Insurance Review Pub Date : 2020-03-01 DOI:10.1111/rmir.12140

Nadine Gatzert, Katrin Osterrieder

引用次数: 10

Abstract

Among the trends impacting most industries are new mobility concepts, digitalization, urbanization, rising environmental awareness, and demographic change. The automobile insurance industry, in particular, is strongly affected by new mobility concepts, including autonomous, shared, and electric vehicles, which are expected to increasingly impact the risk exposure and insurance demand in the future. Identifying and assessing the resulting risk and opportunity landscape from these trends thus becomes a major strategic challenge for insurers. The aim of this paper is to analyze the trends that impact the field of mobility and thus automobile insurers. Based on this, we derive a set of strategic response measures for insurers to enable them to be prepared for the future of mobility.

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未来移动出行及其对汽车保险行业的影响

影响大多数行业的趋势包括新的移动概念、数字化、城市化、环保意识的提高和人口结构的变化。尤其是汽车保险行业，受到包括自动驾驶、共享和电动汽车在内的新出行概念的强烈影响，预计未来这些概念将越来越多地影响风险敞口和保险需求。因此，识别和评估这些趋势所带来的风险和机会成为保险公司面临的主要战略挑战。本文的目的是分析影响移动领域的趋势，从而汽车保险公司。在此基础上，我们为保险公司制定了一套战略应对措施，使他们能够为未来的流动性做好准备。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Risk Management and Insurance Review Economics, Econometrics and Finance-Finance

CiteScore

1.90

自引率

0.00%

发文量

期刊介绍： Risk Management and Insurance Review publishes respected, accessible, and high-quality applied research, and well-reasoned opinion and discussion in the field of risk and insurance. The Review"s "Feature Articles" section includes original research involving applications and applied techniques. The "Perspectives" section contains articles providing new insights on the research literature, business practice, and public policy. The "Educational Insights" section provides a repository of high-caliber model lectures in risk and insurance, along with articles discussing and evaluating instructional techniques.