Ernie Bray, Author at Insurance Thought Leadership



Ernie Bray

Ernie Bray

Ernie Bray, chairman and CEO of ACD, has more than 20 years of experience in the insurance and automobile claims industry. Bray is a dynamic force in driving innovation and technology to transform the auto claims industry and connect a highly fragmented business sector. His company has facilitated and processed more than $2.5 billion in auto and homeowner insurance losses.

Bray has also led ACD to five annual rankings on Inc. magazine’s list of fastest-growing privately held companies in America and four years on Deloitte’s Technology Fast 500 of North America. He was named the 2012 “Insurance Executive of the Year” at the American Business Awards.

Prior to ACD, Bray worked in multiple capacities for AAA, Progressive and Access Insurance.

Bray holds a bachelor’s in sociology and institutional analysis from the University of California, Santa Cruz, along with executive studies from Columbia Business School and USC’s Marshall School of Business. He is also a six sigma black belt and senior claims law associate.

Bray also serves as a strategic business consultant driving impact in the areas of process improvement, management, marketing, innovation, social media and overall business strategy.

Bray is the author of several books and key thought leadership pieces and co-inventor of two pending patents.

Recent Articles by Ernie Bray

Auto Claims: Future May Belong to Bots

Despite a decade of prominence, the Age of the App may be over. The future of auto claims could belong to the chatbots. Equipped with AI and machine learning capabilities, these computer software programs can conduct natural language-like conversations with customers in real time. Already, Amazon’s Alexa and Apple’s Siri are working as personal assistants […]

The 2 Types of Claims Managers

In an industry buffeted by escalating vehicle complexity, accident severity and repair costs, companies wishing to improve customer satisfaction and their bottom lines must increasingly rely on modern technology to achieve more with less — to be more efficient with a smaller workforce. Unfortunately, not all claims supervisors and managers recognize this fact. Even those […]

Cars That Self-Assess Accidents

“Star Trek” fans love to point out that, over the last five decades, many of the show’s futuristic technologies have gone from science fiction to fact. Mobile communicators (cell phones), non-invasive surgery (focused ultrasound surgery), food replicators (3D printers) and phasers (now being tested by the U.S. military) are but a few examples. But in […]

Training the Future Claims Adjuster

Unless you’ve been frozen in carbonite for the past 15 years, you’re probably aware that the insurance industry is facing two imminent HR crises: A Brain Drain– Twenty-five percent of the industry workforce is expected to retire by 2018, according to Insurance Business America. But wait! It gets better. In addition to filling vacancies caused […]

Solution to Brain Drain in Insurance?

What was once science fiction is fast becoming a fact of today’s business world. Computers that mimic the human brain are already entering the workforce in the healthcare, financial services and retail sectors, among others. Like humans, cognitive analytic computers can understand “natural” language (such as English) and learn lessons from the data they analyze, […]

Chasing the Right Numbers on Claims

Managing a claims operation is challenging. There are so many moving parts, dynamics and procedures. Information comes gushing in like a fire hose, making it difficult for many companies to effectively assemble and organize it. It’s crucial to help claims divisions focus on the right numbers instead of chasing numbers that have no value. Most […]

How Big Data Can Transform Auto

Big data is everywhere and is becoming more powerful in every aspect of our daily lives. The hunger, and ability, to parse and analyze diverse data sets goes to the highest levels of our government, large corporations and even start-ups, which are finding ways to add immense value. Although we in the claims industry are […]

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  • Claims Management
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