A Better Model for Personal Auto Insurance

Smart Car Insurance will be a technology-enabled Managing General Agency (MGA) focused exclusively on preferred personal auto insurance.

The business model is built on one guiding principle:

Manage claim frequency and claim severity independently.

Rather than relying primarily on pricing to manage risk, Smart Car Insurance applies disciplined underwriting to reduce claim frequency while independently managing claim severity through policy design, claims governance, and reinsurance.

The result is a more predictable underwriting portfolio designed for long-term profitability.

Why Smart Car Insurance?

• Preferred-driver underwriting
• Mileage-based exposure management
• Independent frequency and severity management
• Disciplined risk management
• Modern technology platform
• Scalable MGA operating model

Smart Car Insurance is not built around monitoring how customers drive. Smart car will use objective mileage verification and disciplined underwriting—not continuous behavioral scoring—to create a more predictable insurance portfolio.

Continue to:

A different insurance company model