Auto accidents remain a regular, costly—and often tragic—part of everyday life. However, a variety of factors—including collision avoidance, telematics and autonomous vehicle technology—are combining to reduce the frequency of auto accidents, and with them the number and size of claims. This would have interesting effects on pricing and overall premium received by insurers even if the decline were slight. A new Celent report suggests that the decline will be significant over the next 15 years—and eventually catastrophic.