What happens to auto insurance… when there’s no driver to insure? For over a century, auto insurance has been built around one assumption: human behavior drives risk. But in a world of autonomous mobility, that assumption collapses. The “driver” is now an algorithm, decisions are made by software, and risk is distributed across an ecosystem of manufacturers, sensors, and AI systems. This session explores what that shift really means—not just technologically, but fundamentally for the business of insurance. We’ll unpack how auto insurance transforms when: *Accidents are investigated like software failures, not human errors *Liability moves from individuals to OEMs, software providers, and platforms *Coverage becomes continuous, event-driven, and embedded into mobility itself We’ll move beyond the vision to answer practical questions: How do you underwrite and price an algorithm? What does a claim look like when AI is at fault? How do insurers stay relevant when customers no longer “buy” auto insurance? This session is not just about autonomous vehicles—it’s about redefining insurance for a world where machines make decisions.