And if it is dozens of corporations, there's no reason they wouldn't just absorb the insurance function. Right now because insurance is bought by consumers there's tremendous value in having a recognizable consumer-facing brand (Gecko & Flo). But if the car provider already has the ongoing consumer relationship, offering the insurance is a straightforward financial feature. Plus they'll be way more informed about the risk characteristics of their customers and vehicles. I don't see any remaining reason for separate auto insurance companies to exist if this version of car purchasing takes over individual ownership.