Since CSAA Insurance Group is closely affiliated with AAA and sells its auto insurance, it's often seen as the only insurer associated with the AAA brand. That isn't the case, with the Auto Club of Southern California and Auto Club Group in Michigan also offering insurance. CSAA, however, operates in 23 states. A majority of CSAA's business is in California, and in that state the insurer is dealing with many losses from wildfires sparked due to climate change. Digital Insurance spoke with Mike Zukerman, president and CEO, CSAA Insurance Group, about environmental challenges for insurers and catastrophe modeling, auto insurance issues, and how AI can "surprise and delight" CSAA's policyholders. Zukerman took over the CEO position a little over a year ago.