Make sense of insurance before you buy, renew or make a claim. We explain coverage, exclusions, costs, emerging risks and the technology changing how insurance works.
The most telling number in insurance claims in 2026 isn’t a percentage or a dollar figure. It’s three seconds. That’s how long it takes Lemonade’s AI system to close certain renters insurance claims — no human involvement, no waiting period, no adjuster review. The claim comes in, the system validates it, the payment goes out…
For as long as auto insurance has existed, the fundamental transaction has been an estimation. The insurer estimates your risk based on the characteristics you share — your age, your address, your claims history, the vehicle you drive — and prices a policy accordingly (Usage-based car insurance). You are charged, in essence, for what you…
There is a particular kind of frustration reserved for people who have finally decided to seek mental health treatment — summoned the courage, acknowledged the need, found a provider — and then encountered the insurance system waiting on the other side of that decision. The bill that arrives weeks later for a session that was…
The insurance industry has spent most of its modern history as a follower rather than a leader when it comes to technology. Banks digitised their front-ends in the 1990s. Airlines adopted yield management algorithms in the 2000s. Insurance? It kept the underwriter’s judgment, the paper application, and the 30-day claims cycle long after every other…
Every Nigerian who has invested in a solar system in the last two years understands the particular quality of anxiety that comes with the territory. Not the anxiety of living without power — most of them know that intimately, which is why they bought the system in the first place. The new anxiety is different:…
The way people understand and talk about mental health has changed profoundly in a generation. What once sat behind closed doors — spoken of obliquely if at all, treated as a private failing rather than a medical condition with physiological roots, evidence-based treatments, and measurable outcomes — is now the subject of federal health surveys,…
Nobody wants to discover bed bugs. The reaction tends to follow a specific sequence — alarm, disgust, a frantic mental inventory of everything that now needs to be laundered or replaced, and then the hopeful thought: surely the renters insurance I’ve been paying every month covers this (does renters insurance cover bed bugs 2026?). The…
A British Columbia small claims tribunal ruling from 2024 has become the most cited legal precedent in the AI liability insurance conversation, and it’s worth starting there because it illustrates the issue more clearly than any abstract discussion of risk categories. An Air Canada passenger asked the airline’s chatbot about bereavement fares following a family…
The year 2026 marks a definitive watershed for the global automotive industry. We have moved beyond the initial novelty of electric vehicles and basic driver-assistance features into a fully realized “Connected Car” ecosystem. In this new era, your vehicle is no longer just a mode of transport; it is a high-velocity data generator. For the…
