Over the last decade I was involved with a P&C insurer doing various projects & initiatives. They were substantial and valuable activities, but all were focused on the near term and essentially dealing with the status quo. During my last week, when I was wrapping up my last project I was asked “what issues should they look out for that would need to be addressed in the longer term?” Great question, but I hadn’t put any thought into that so there was no insightful or useful answer I could share. But… …I got to thinking. Autonomous Vehicles are coming and they are supposed to have a big impact. What exactly would it be? Maybe a dip or shift, just another ripple & then things would carry on as normal, a real change, what exactly? So I started doing some research and concluded that the end game was Fully Autonomous Rides; which led me to the conclusion that this will be the single biggest disruption since the first large scale industrial revolution driven by steam technology. The computer finally completely displaces the driver… …and then? Everything will be affected and nothing will be able to avoid some ripple crashing through their safe havens. I’ve shared very specific scenarios that can be tracked, so we can watch it unfold with a game plan. And to answer the question posed by the P&C exec… .... You need to plan for the entire collapse of your industry; it is only 10 to 15 years away.