The actual impact of autonomous vehicles, rideshare, and V2X may still be decades away. However, starting on a personalization journey as outlined above will equip a carrier to face the rapidly changing industry. These initiatives will require a digital transformation that moves the current legacy tech ecosystem into an “orchestrated” model. Such an “Orchestrated” model is crucial to managing the necessary flexibility in products and risk coverage that will be expected in the future. Even if the lines blur between personal and commercial insurance, the ability to look at coverages at a granular level will help the carriers pack a wide variety of products based on the market needs on demand.