"If you must doubt something, doubt your limits."
—Price Pritchett, Author
The AI Breakdown
Chatbots Are Changing Insurance Choices
J.D. Power found that 29% of auto and home insurance customers have already used AI to research coverage, manage an account, prepare for a claim, or shop for a policy.
And they are making decisions with it. Among customers who used AI to research coverage, 37% changed their policy. Among those who used AI to shop, 42% bought one.
Third-party tools are nearly neck-and-neck with insurers' own AI for research, 33% versus 34%. A customer asking ChatGPT or Gemini about premiums, EV coverage, deductibles, or total ownership cost may be shaping the vehicle decision before F&I ever sees them.
Then Comes the Claim
Deloitte studied nearly 4,000 P&C customers and found claims have above-average influence on whether someone buys from that insurer again. Yet claims ranked lowest for positive sentiment.
Deloitte
The biggest drivers of a good experience were support, knowledge, communication, and attitude. Also, 22% of customers still bounce across multiple channels to resolve one insurance question, while only 36% of auto customers receive claim updates through the mobile apps they tend to prefer.
Insurers are using AI to attack that friction. UiPath points to agents that collect documents, classify claims, update systems, draft communications, and coordinate next steps while routing complex cases to people.
For dealers, AI can influence which policy gets bought, how coverage gets understood, how a claim moves, and eventually where repair work gets routed.
Steal the Playbook
Check what AI says about your vehicles. Run common insurance questions for your top models through ChatGPT, Gemini, and other major tools. Look for bad assumptions around EVs, safety tech, repairs, and ownership costs.
Map the handoffs. Review what happens when a customer needs insurance information, files a claim, or enters collision. Find the repeated questions, duplicate data entry, and "call this other number" moments.
Automate the admin around the conversation. Use AI for summaries, document collection, status updates, and routing so employees have more time for customers who are confused, frustrated, or staring at a freshly wrecked car.
Measure the customer experience. Track response time, repeat contacts, repair-cycle delays, customer confusion, and retention alongside whatever efficiency metric the software vendor hands you.
Top Tools
Higgsfield is an AI video platform built around making polished, high-production content without needing a full shoot. You can generate clips from images or prompts, control camera movement, build multi-shot sequences, create product-style visuals, add sound, and resize content for different platforms.
Where it gets especially interesting for dealers is its dedicated AI Car Video Generator.
Higgsfield built the tool around the details that usually make automotive AI video fall apart. It aims to keep the actual vehicle consistent while adding movement, new environments, rolling shots, reveals, orbits, and other cinematic angles. That means the trim, wheels, badges, paint, and overall identity of the car have a better shot at surviving the AI shenanigans.
It also supports batch creation, 4K upscaling, different aspect ratios, and branded variations across multiple vehicles.
For a dealership marketing team staring at hundreds of inventory photos and a very finite number of production hours, that is a pretty schnazzy proposition.
Prompt of the Week
User Generated Content works best when it feels spontaneous without looking sloppy.
This prompt gives the model a clear shot list, believable reaction, and enough vehicle detail to keep the whole thing grounded.
Create a vertical, short-form UGC-style video ad that feels native to TikTok, Reels, or Shorts.
Feature a [vehicle year/make/model/trim] in [color], with [key features to highlight — example: panoramic roof, dark gray leather, captain’s chairs, large touchscreen, third-row seating, black wheels]. Keep the vehicle visually accurate and consistent across every shot. Do not show dealership logos, license plates, or brand watermarks unless specifically requested.
The video should feel like a real customer-style reaction video, filmed casually on a phone, with polished but natural pacing. The subject is a [age range] [man/woman/person] wearing [outfit], standing outside the vehicle and speaking with excited, believable energy. The tone should feel enthusiastic, conversational, and slightly impulsive, like someone who just found a car they genuinely want.
Sequence the video in this order: start outside the vehicle with the subject in selfie mode giving a quick excited reaction to the SUV, then show them turning the camera toward the exterior, walking up to it, opening the door, climbing in, reacting to the interior, showing the driver’s seat and dashboard, panning across standout cabin details, and ending with a confident close-up reaction from behind the wheel.
Include subtle spoken dialogue or caption-style phrasing that sounds natural, such as reacting to the space, interior feel, roof, screen, or comfort. End with the subject looking around the cabin and saying: “Yeah. That’s it. I need this.”
Keep the background clean and believable, like a dealership lot or parking area in daylight. Use smooth handheld motion, crisp lighting, and short, engaging cuts. The finished video should feel like a piece of content a dealership could post the same day to help a shopper picture themselves in the car.
If helpful, generate 3 variations with different energy levels: one more casual, one more playful, and one that feels a little more premium.
Hear from the Experts
AI is learning about your dealership before the shopper ever calls.
Chad Graves of Reunion Marketing joins Paul and Kyle to explain how tools like ChatGPT and Gemini are using reviews, website content, and other sources to answer questions about dealerships.
That makes the impression your store tells online increasingly important, including the community work you’re already doing.
Ask your favorite AI tool about your dealership after this episode. See what story it tells.
Bits and Bytes
Flock’s surveillance camera network just hit a Texas-sized roadblock after Governor Greg Abbott blocked state funding. 📸
Tim Cook officially wrapped his 15-year run as Apple CEO yesterday, handing the company over to hardware chief John Ternus. ✌️
Instagram is making AI-generated profiles easier to spot and harder to quietly pass off as real people. 📱
The Department of War is adding Grok for Government to its tech stack. 🦅
Parting Pixels
Thanks for reading, Friend! The typo will always find you eventually. Ship it anyway.
