The automobile insurance industry is undergoing significant changes due to advancements in AI and data analytics. These technologies allow for extreme personalization of insurance rates based on individual driving behavior. While this can be more fair on an individual level, it raises two main concerns: data inaccuracies and human biases in data interpretation. Additionally, it may lead to higher costs for some drivers, particularly those with lower incomes. Therefore, a balance needs to be struck between personalized and shared risk in auto insurance, guided by data ethics and regulatory oversight to ensure fair and ethical use of AI technology in the industry. Based on the attached file information, answer the following question empowered by past, present and future approach: What should we do to be more ethical in this case