The AI stuff they are claiming is to reduce their LAE. (Claimbot type stuff.) Their rates (and forms) are nothing special--ISO rates + Transunion score. The on

The AI stuff they are claiming is to reduce their LAE. (Claimbot type stuff.) Their rates (and forms) are nothing special--ISO rates + Transunion score. The only thing unusual in their pricing is they allow you to choose low coverage amounts + don't charge installment or credit card fees. So you can buy a decent policy at $5 a month. I am skeptical that will ever be net profitable though....