--- title: AAIS Views | Ash Naik description: Ash Naik is AAIS Product Manager for Commercial and Personal Auto. Ash is an experienced software product manager, having worked at Microsoft and Dell before entering the start-up landscape as Cofounder and CEO of SalesPal and Mandovi, developing a long history of shipping high-quality, cutting-edge technology products that enable digital transformation in IT infrastructure and application infrastructure. Ash brings his passion for products, packaging, and experience design from the technology sector to the insurance industry. He has a Master of Business Administration (MBA) in Marketing and Entrepreneurship from the University of Washington Foster School of Business, and mentors first year MBA students looking to make a career in the technology space. He looks forward to helping AAIS Members meet the challenges in the auto insurance market. --- [![](https://aaisviews.aaisonline.com/hs-fs/hubfs/social-suggested-images/www.aaisonline.comimagelayout_set_logo.png?width=150&height=38&name=www.aaisonline.comimagelayout_set_logo.png)](https://aaisviews.aaisonline.com/compliance-alerts) ## Compliance Alerts ## Ash Naik Ash Naik is AAIS Product Manager for Commercial and Personal Auto. Ash is an experienced software product manager, having worked at Microsoft and Dell before entering the start-up landscape as Cofounder and CEO of SalesPal and Mandovi, developing a long history of shipping high-quality, cutting-edge technology products that enable digital transformation in IT infrastructure and application infrastructure. Ash brings his passion for products, packaging, and experience design from the technology sector to the insurance industry. He has a Master of Business Administration (MBA) in Marketing and Entrepreneurship from the University of Washington Foster School of Business, and mentors first year MBA students looking to make a career in the technology space. He looks forward to helping AAIS Members meet the challenges in the auto insurance market. Find me on: ## Recent Posts [![](https://aaisviews.aaisonline.com/hubfs/AAIS%20Webinar%20-%20UBI%20Driverscape%202024.jpg)](https://aaisviews.aaisonline.com/aais-views/ubi-in-auto-insurance-driverscape-report) ## [Navigating UBI in Auto Insurance: Insights from Driverscape 2024](https://aaisviews.aaisonline.com/aais-views/ubi-in-auto-insurance-driverscape-report) Sep 5, 2024 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Issues & Trends](https://aaisviews.aaisonline.com/aais-views/topic/issues-trends), [Telematics](https://aaisviews.aaisonline.com/aais-views/topic/telematics), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Commercial Auto](https://aaisviews.aaisonline.com/aais-views/topic/commercial-auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [AAIS Webinar Series](https://aaisviews.aaisonline.com/aais-views/topic/aais-webinar-series), [auto insurance](https://aaisviews.aaisonline.com/aais-views/topic/auto-insurance), [UBI](https://aaisviews.aaisonline.com/aais-views/topic/ubi), [Usage Based Insurance](https://aaisviews.aaisonline.com/aais-views/topic/usage-based-insurance) [0 Comments](https://aaisviews.aaisonline.com/aais-views/ubi-in-auto-insurance-driverscape-report#comments-listing) The auto insurance landscape is evolving rapidly, driven by technological advancements and changing consumer preferences. The third annual AAIS Driverscape report provides valuable insights into these shifts, helping insurance carriers navigate the complexities of the modern market. [Read More](https://aaisviews.aaisonline.com/aais-views/ubi-in-auto-insurance-driverscape-report) [![](https://aaisviews.aaisonline.com/hubfs/Feature%20-%20Mind%20Maps.jpg)](https://aaisviews.aaisonline.com/aais-views/mindmaps-the-organization-tool-transforming-the-aais-auto-program-insurance-industry-alike) ## [Mind Maps: The Organization Tool Transforming the AAIS Auto Program & Insurance Industry Alike](https://aaisviews.aaisonline.com/aais-views/mindmaps-the-organization-tool-transforming-the-aais-auto-program-insurance-industry-alike) Jan 31, 2024 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Issues & Trends](https://aaisviews.aaisonline.com/aais-views/topic/issues-trends), [Insurance Operations](https://aaisviews.aaisonline.com/aais-views/topic/insurance-operations), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [auto insurance](https://aaisviews.aaisonline.com/aais-views/topic/auto-insurance), [AAIS Auto Program](https://aaisviews.aaisonline.com/aais-views/topic/aais-auto-program), [Mind Maps](https://aaisviews.aaisonline.com/aais-views/topic/mind-maps) [0 Comments](https://aaisviews.aaisonline.com/aais-views/mindmaps-the-organization-tool-transforming-the-aais-auto-program-insurance-industry-alike#comments-listing) Updating or creating new insurance products is generally expected to be a long and expensive endeavor for insurance carriers. Most insurance products are made with insurance experts in mind, which can be hard for technology teams to understand. Having a product analyst is essential to make these complex ideas clear and ready for implementation. [Read More](https://aaisviews.aaisonline.com/aais-views/mindmaps-the-organization-tool-transforming-the-aais-auto-program-insurance-industry-alike) [![](https://aaisviews.aaisonline.com/hubfs/Feature%20-Navigating%20the%20Complexities%5B93%5D.jpg)](https://aaisviews.aaisonline.com/aais-views/navigating-the-complexities-of-automobile-technologies) ## [Navigating the Complexities of Automobile Technologies](https://aaisviews.aaisonline.com/aais-views/navigating-the-complexities-of-automobile-technologies) Jan 3, 2024 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Technology](https://aaisviews.aaisonline.com/aais-views/topic/technology), [Tech News](https://aaisviews.aaisonline.com/aais-views/topic/tech-news), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [Data/Tech](https://aaisviews.aaisonline.com/aais-views/topic/data-tech), [ADAS](https://aaisviews.aaisonline.com/aais-views/topic/adas) [0 Comments](https://aaisviews.aaisonline.com/aais-views/navigating-the-complexities-of-automobile-technologies#comments-listing) The auto insurance industry faces unique challenges in an era dominated by rapid technological advancements. Today's vehicles, equipped with sophisticated electronics and software, are redefining experiences for drivers, auto services, and insurance industry professionals. In a recent [webinar](https://aaisviews.aaisonline.com/aais-views/drive-ahead-overcoming-todays-auto-insurance-challenges), we explored various facets of auto insurance carriers' challenges. [Read More](https://aaisviews.aaisonline.com/aais-views/navigating-the-complexities-of-automobile-technologies) [![](https://aaisviews.aaisonline.com/hubfs/iStock-1382273420.jpg)](https://aaisviews.aaisonline.com/aais-views/advanced-driver-assistance-systems-a-game-changer-for-auto-insurance-carriers) ## [Advanced Driver Assistance Systems- A Game-Changer for Auto Insurance Ratemaking](https://aaisviews.aaisonline.com/aais-views/advanced-driver-assistance-systems-a-game-changer-for-auto-insurance-carriers) Jul 12, 2023 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Technology](https://aaisviews.aaisonline.com/aais-views/topic/technology), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [ADAS](https://aaisviews.aaisonline.com/aais-views/topic/adas) [0 Comments](https://aaisviews.aaisonline.com/aais-views/advanced-driver-assistance-systems-a-game-changer-for-auto-insurance-carriers#comments-listing) *By utilizing the insights and capabilities of ADAS, carriers can enhance risk assessment accuracy, reduce accident frequency, and improve profitability. ADAS complements traditional rating variables like vehicle build, providing a dynamic layer of risk assessment and enhancing underwriting accuracy. Additionally, understanding the calibration status of ADAS systems is crucial to ensure optimal functionality and avoid potential hazards. As product managers in charge of auto insurance, it is essential to understand and leverage the power of ADAS to stay competitive in the evolving insurance landscape.* [Read More](https://aaisviews.aaisonline.com/aais-views/advanced-driver-assistance-systems-a-game-changer-for-auto-insurance-carriers) [![](https://aaisviews.aaisonline.com/hubfs/iStock-980152384.jpg)](https://aaisviews.aaisonline.com/aais-views/data-calls-and-stat-reporting-problem) ## [Data Calls and Stat Reporting: Outdated Methods Causing Issues for Auto Insurance Carriers](https://aaisviews.aaisonline.com/aais-views/data-calls-and-stat-reporting-problem) Jun 1, 2023 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [openIDL](https://aaisviews.aaisonline.com/aais-views/topic/openidl), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [auto insurance](https://aaisviews.aaisonline.com/aais-views/topic/auto-insurance), [AAIS Auto Program](https://aaisviews.aaisonline.com/aais-views/topic/aais-auto-program) [0 Comments](https://aaisviews.aaisonline.com/aais-views/data-calls-and-stat-reporting-problem#comments-listing) *Data calls and stat reporting continue to remain a slow, tedious, and error-prone overhead to most carriers. Recent advances in technology have demonstrated that streamlining and automating this can provide benefits beyond meeting regulatory requirements. Join us in building a community that puts data to work beyond staying in compliance.* [Read More](https://aaisviews.aaisonline.com/aais-views/data-calls-and-stat-reporting-problem) [![](https://aaisviews.aaisonline.com/hubfs/Featured%20-%202023%20DriverScape.jpg)](https://aaisviews.aaisonline.com/aais-views/ubi-driverscape-report-2023) ## [2023 DriverScape Summary: Auto Consumer Attitude Towards UBI](https://aaisviews.aaisonline.com/aais-views/ubi-driverscape-report-2023) May 4, 2023 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Issues & Trends](https://aaisviews.aaisonline.com/aais-views/topic/issues-trends), [Telematics](https://aaisviews.aaisonline.com/aais-views/topic/telematics), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Commercial Auto](https://aaisviews.aaisonline.com/aais-views/topic/commercial-auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [AAIS Views](https://aaisviews.aaisonline.com/aais-views/topic/aais-views), [auto insurance](https://aaisviews.aaisonline.com/aais-views/topic/auto-insurance), [UBI](https://aaisviews.aaisonline.com/aais-views/topic/ubi), [Usage Based Insurance](https://aaisviews.aaisonline.com/aais-views/topic/usage-based-insurance) [0 Comments](https://aaisviews.aaisonline.com/aais-views/ubi-driverscape-report-2023#comments-listing) *Personal Auto Insurance is experiencing an unprecedented transformation driven by increasing improvements in telematics. One area leading the transformation is Usage-based Insurance (UBI). While this technology has existed for more than 10 years, it is finally being accepted and adopted by insurance carriers and drivers alike in significant numbers. Fueled by the evolution of telematics, risk models, and pricing; UBI is experiencing quicker-than-anticipated growth. Carriers are presented with new opportunities and challenges unlike any ever before in this new world of technology-driven innovation.* [Read More](https://aaisviews.aaisonline.com/aais-views/ubi-driverscape-report-2023) [![](https://aaisviews.aaisonline.com/hubfs/Featured-uninsured%20motorist.jpg)](https://aaisviews.aaisonline.com/aais-views/uninsured-driver-problem) ## [Uninsured Drivers: An Overlooked Problem Costing Carriers and Consumers Alike](https://aaisviews.aaisonline.com/aais-views/uninsured-driver-problem) Mar 30, 2023 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) [0 Comments](https://aaisviews.aaisonline.com/aais-views/uninsured-driver-problem#comments-listing) *Uninsured drivers cost carriers upwards of $13 billion a year in losses. Add on $84 per car per year and consumer affordability for auto insurance is strained. The difficulty in resolving this issue has been the limitations and costs of technology, but that is no longer the case. Join us in building a community across insurance and mobility to solve this problem.* [Read More](https://aaisviews.aaisonline.com/aais-views/uninsured-driver-problem) [![](https://aaisviews.aaisonline.com/hubfs/Featured%20-%20Premium%20Leakage%20Problem.jpg)](https://aaisviews.aaisonline.com/aais-views/premium-leakage-problem) ## [Premium Leakage: Understanding the Impact and Solutions for Auto Carriers](https://aaisviews.aaisonline.com/aais-views/premium-leakage-problem) Jan 24, 2023 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Insights](https://aaisviews.aaisonline.com/aais-views/topic/insights), [Issues & Trends](https://aaisviews.aaisonline.com/aais-views/topic/issues-trends), [Data & Technology](https://aaisviews.aaisonline.com/aais-views/topic/data-technology), [New/Emerging Risks](https://aaisviews.aaisonline.com/aais-views/topic/new-emerging-risks), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [AAIS News & Views](https://aaisviews.aaisonline.com/aais-views/topic/aais-news-views), [AAIS Insights](https://aaisviews.aaisonline.com/aais-views/topic/aais-insights), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [Data/Tech](https://aaisviews.aaisonline.com/aais-views/topic/data-tech) [0 Comments](https://aaisviews.aaisonline.com/aais-views/premium-leakage-problem#comments-listing) *Premium leakage is a critical issue for carriers writing personal auto insurance, particularly with the rising severity of claims. However, by utilizing data and building partnerships with auto manufacturers, data providers, and new insurtech vendors, carriers can take steps to limit exposures due to incorrect mileage and garaged locations. Join us in building a community to solve this problem.* [Read More](https://aaisviews.aaisonline.com/aais-views/premium-leakage-problem) [![](https://aaisviews.aaisonline.com/hubfs/Canva%20Version.png)](https://aaisviews.aaisonline.com/aais-views/fuel-for-electric-vehicles) ## [Fuel For Electric Vehicles: EV Needs & Efficiencies in California](https://aaisviews.aaisonline.com/aais-views/fuel-for-electric-vehicles) Oct 13, 2022 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Insights](https://aaisviews.aaisonline.com/aais-views/topic/insights), [Issues & Trends](https://aaisviews.aaisonline.com/aais-views/topic/issues-trends), [Data & Technology](https://aaisviews.aaisonline.com/aais-views/topic/data-technology), [New/Emerging Risks](https://aaisviews.aaisonline.com/aais-views/topic/new-emerging-risks), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [AAIS News & Views](https://aaisviews.aaisonline.com/aais-views/topic/aais-news-views), [AAIS Insights](https://aaisviews.aaisonline.com/aais-views/topic/aais-insights), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [Data/Tech](https://aaisviews.aaisonline.com/aais-views/topic/data-tech) [0 Comments](https://aaisviews.aaisonline.com/aais-views/fuel-for-electric-vehicles#comments-listing) Recent discouragement of charging electric vehicles (EVs) by officials in California in the wake of a severe heatwave prompted further research into power generation, EV charging needs and efficiencies as we move towards an “all-electric” future. [Read More](https://aaisviews.aaisonline.com/aais-views/fuel-for-electric-vehicles) [![](https://aaisviews.aaisonline.com/hubfs/Feature%20-%20UBI%20Research.jpg)](https://aaisviews.aaisonline.com/aais-views/ubi-research-report) ## [Is UBI Moving Full Speed Ahead? AAIS Report Snapshots Consumer Attitudes](https://aaisviews.aaisonline.com/aais-views/ubi-research-report) May 20, 2022 / by [Ash Naik](https://aaisviews.aaisonline.com/aais-views/author/ash-naik) posted in [Issues & Trends](https://aaisviews.aaisonline.com/aais-views/topic/issues-trends), [Telematics](https://aaisviews.aaisonline.com/aais-views/topic/telematics), [Auto](https://aaisviews.aaisonline.com/aais-views/topic/auto), [Commercial Auto](https://aaisviews.aaisonline.com/aais-views/topic/commercial-auto), [Personal Auto](https://aaisviews.aaisonline.com/aais-views/topic/personal-auto), [AAIS Views](https://aaisviews.aaisonline.com/aais-views/topic/aais-views), [auto insurance](https://aaisviews.aaisonline.com/aais-views/topic/auto-insurance), [UBI](https://aaisviews.aaisonline.com/aais-views/topic/ubi), [Usage Based Insurance](https://aaisviews.aaisonline.com/aais-views/topic/usage-based-insurance) [0 Comments](https://aaisviews.aaisonline.com/aais-views/ubi-research-report#comments-listing) *While the telematics capabilities that enable auto insurers to track mileage and driving behaviors continue to advance, Usage-Based Insurance (UBI) has  potentially been slow to gain traction among consumers. In keeping with our mission of working with Members to design the best possible insurance products, AAIS recently went direct to consumers to understand the reservations that may be stalling adoption of UBI products and strategies to overcome these obstacles.* [Read More](https://aaisviews.aaisonline.com/aais-views/ubi-research-report) [Next](https://aaisviews.aaisonline.com/aais-views/author/ash-naik/page/2) - Recent - Popular - Categories ### Lists by Topic - [Data & Technology (38)](https://aaisviews.aaisonline.com/aais-views/tag/data-technology) - [Issues & Trends (34)](https://aaisviews.aaisonline.com/aais-views/tag/issues-trends) - [Data/Tech (33)](https://aaisviews.aaisonline.com/aais-views/tag/data-tech) - [Technology (28)](https://aaisviews.aaisonline.com/aais-views/tag/technology) - [AAIS Insights (25)](https://aaisviews.aaisonline.com/aais-views/tag/aais-insights) - [Artificial Intelligence (19)](https://aaisviews.aaisonline.com/aais-views/tag/artificial-intelligence) - [AI (16)](https://aaisviews.aaisonline.com/aais-views/tag/ai) - 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