According to a recent J.D. Power conference in Chicago, over the next three to five years we can expect several trends to take shape in property, casualty and auto insurance. Here are the highlights. Legacy systems, an Achilles heel amid rapid tech evolution Not to paint with too broad a brush, but "technology" is the first trend on the list. IT is in the midst of a rapid evolution, bringing an unfolding array of benefits that bear a positive impact on customer satisfaction, policy pricing, claims processing and claims volume. The challenge? Staying current. Now more than ever, insurers need technology that helps them take advantage of emerging opportunities instead of inhibiting that process.