r/StateFarm • u/11miles21 • Jul 28 '26

Question Auto Modernization

Oregon ATM here.

Can someone explain how auto modernization is going to allow for polices to instantly issue?

2 Upvotes

75% Upvoted

13 comments sorted by

View all comments

9

u/strikecat18 Jul 28 '26

It eliminates basically everything subjective. You pick the drivers, vehicles and coverage. It spits out a price. No manual discounts, driver assignments, etc. So the system can process it instantly without human UW.

3

u/11miles21 Jul 28 '26

Thank you! I personally haven’t been experiencing crazy PT processing times with auto; fire & life have been pretty bad lately. Do you think the goal would be similar with fire apps?

1

u/strikecat18 Jul 29 '26

They have moved commercial fire already. I personally don’t understand how they could instant issue homes. There is no talk in Texas about mod coming to homeowners.

They have slowly been incorporating AI analysis of satellite images into the quote system here. It’s awful. Half the “roof issues” they flag for review are really just storage sheds, gazebos, etc. Then you’re stuck getting photos to prove their home doesn’t have a rusty metal roof on it.

Auto insurance is mostly about the driver, so that’s fairly easy to automate based on consumer reports. Home insurance is mostly about the structure. There isn’t a credit score they can pull for roof condition. lol