Currently, lets agree that insurance claims are a hassle, and completing them correctly or getting all parties to participate is an even bigger annoyance. With blockchain, all of these steps are removed from the equation, even undue trust in the other parties and your agent. With sensors in the cars as well as digital information about each client cryptographically secured in the blockchain, the process would be greatly simplified. It could look like Instead of exchanging information, simply scan a QR code. Proof of insurance procedures would be instantaneous rather than taking weeks to process due to the ability for blockchain to store and transmit this information to the relevant parties instantaneously. As with most of its applications, blockchain can improve overall efficiency and cost-effectiveness on the consumer end within all sectors of the insurance industry. By using smart contracts, you enter into blockchain protected plans where you can receive coverage nearly instantly after submitting your claims digitally. These contracts will be automatically enforceable, so you will receive the exact quote you were expecting when you signed on. This could eliminate the need for clunky insurance steps and remove the chance of you getting a lower amount than was originally agreed by your insurance company.