Welcome to the State of Vehicle Protection and Insurance Report!

In today’s shifting auto finance and insurance landscape, staying ahead of risk is more important than ever. The State of Vehicle Protection and Insurance Report is your guide to understanding how rising premiums, shrinking borrower budgets, and uninsured collateral are reshaping the market.

Whether you are a lender, insurer, or industry partner, this report delivers the insights you need to:

• Navigate the surge in uninsured and underinsured vehicles

• Understand how negative equity and high LTV ratios are fueling deeper losses

• Track key economic and borrower behavior trends impacting your portfolio

• Explore strategic solutions that balance borrower sensitivity with strong portfolio protection

This report highlights both the risks and opportunities shaping the future of auto lending and insurance.

Equip yourself with knowledge that protects both your borrowers and your bottom line.