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According to a [link url=http://www.mckinsey.com/industries/financial-services/our-insights/time-for-insurance-companies-to-face-digital-reality target=_blank]report by McKinsey[/link], auto insurers are not particularly profitable. The only way out: digitalization. Ten startups demonstrate how machine learning and artificial intelligence can open up completely new business models.  [link url=https://tractable.ai target=_blank]Tractable[/link], for example, works on AI which shall classify car damages by means of a few photos.