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Now you purchase insurance though and automated system according to an article written by Andrew Simpson. It’s not enough to deal with a call centers who knows nothing about your individual situation, now you can deal with a robot. many people liken the company as the UBER or insurance.

Call me and compare; if I can’t save you at least $200 on your home and auto insurance, I’ll send you a $20 gas gift card.

By Andrew G. Simpson | December 22, 2016

Insurance startup Lemonade is eyeing a national expansion and has filed for licenses to operate in 46 states and the District of Columbia.

The peer-to-peer insurer that is focused on renters and homeowners insurance is pursuing the broader regulatory approval strategy after starting small.

In September, the insurer announced it had gained its first insurance carrier license in New York and started selling in that state. It also said that it had filed for a license in California.

A spokesperson told Carrier Management that it was unclear which state would grant approval next because “approval times are dynamic.”

Lemonade said it is applying for approval in only 46 additional states at this time because Mississippi, Washington and Wyoming have statutory waiting times. It will file in each of those states once the waiting time  requirements have been met

The insurer said it will provide a web link so customers can track the progress and availability of Lemonade products in each state, the spokesperson said.

Lemonade hopes to become available to 97 percent of the U.S. population during 2017.

Lemonade says that “tens of thousands of people” nationally have applied for Lemonade coverage since September.

Lemonade uses software, called bots, to deliver insurance through its app and at lemonade.com. Consumers also file claims with the bot, which can pay claims instantly and without human intervention. Lemonade takes a flat fee for insurance and gives back any unclaimed money to causes policyholders care about.

“Staffing Lemonade with bots instead of brokers allows for rapid expansion,” said Wininger.  “The cloud is accessible from anywhere, our datasets are nationwide, and our network of contractors span all 50 states.  The reception in New York has been remarkable, and we can’t wait to be live across the nation.”

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