Digitalization has significantly transformed the insurance industry, enabling faster and more efficient data processing and enhancing the customer experience. The use of digital tools and technologies, such as artificial intelligence and automated systems, allows insurers to assess damages more quickly, tailor insurance offerings to a specific client needs, and reduce operational costs. This technological evolution, known as InsurTech, will become a key tool in the future for ensuring market competitiveness and meeting the growing expectations of modern customers. The aim of this paper is to present the state of the InsurTech market and the application of technology in insurance, with a specific focus on Croatia. The use of technology in insurance in Croatia is illustrated through the example of Croatia osiguranje, the digital leader in the Croatian market. Particular emphasis is placed on Laqo, a digital car liability insurance. The methodology of this paper is based on secondary data sources, including scientific and professional literature in the fields of insurance and digitalization. Sources used include internet articles, publications, professional books by foreign and domestic authors, and online sources relevant to the studied topic.