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Segment and Geographic Information
 9 Months Ended
Sep. 30, 2021
Segment Reporting [Abstract]  
Segment and Geographic Information Segment and Geographic Information
The Company operates in the following two reportable segments, which are the same as its operating segments: 
–Insurance Services. Providing insurance policies for automobile owners
–Enterprise Business Solutions. Providing access to its developed technology under SaaS arrangements along with professional services to third party customers.
Operating segments are based upon the nature of the Company’s business and how its business is managed. The Company’s Chief Operating Decision Maker (“CODM”) is its CEO. The CODM uses the Company’s operating segment financial information to evaluate segment performance and to allocate resources. The CODM does not evaluate the performance of the Company’s assets on a segment basis for internal management reporting and, therefore, such information is not presented.
Contribution is used, in part, to evaluate the performance of, and allocate resources to, each of the segments. Segment contribution is segment revenue less the related costs of revenue and sales and marketing expenses. It excludes certain operating expenses that are not allocated to segments because they are separately managed at the consolidated corporate level. These unallocated costs include stock-based compensation expense, research and development expenses, and general and administrative expenses such as legal and accounting.
The total assets of the Insurance services and Enterprise business solutions segments are $133.7 million and $4.9 million, respectively as of September 30, 2021 (unaudited), and $133.8 million and $6.1 million, respectively as of December 31, 2020. The consolidated total assets of Operating segments are $138.6 million and $139.9 million as of September 30, 2021 (unaudited) and December 31, 2020, respectively.
The following table summarizes the operating results of the Company’s reportable segments (in thousands):
Three Months Ended
September 30,		Nine Months Ended
September 30,
2021202020212020
(unaudited)(unaudited)
Revenue:
Insurance services
$28,470 $6,810 $71,686 $20,753 
Enterprise business solutions
1,531 1,141 3,689 3,606 
Total revenue
$30,001 $7,951 $75,375 $24,359 
Contribution:
Insurance services
$(2,097)$4,480 $(5,133)$10,981 
Enterprise business solutions
(786)(546)(2,383)(716)
Total contribution
$(2,883)$3,934 $(7,516)$10,265 
The following table provides a reconciliation of the Company’s total reportable segments’ contribution to its total loss from operations (in thousands):
Three Months Ended
September 30,		Nine Months Ended
September 30,
2021202020212020
(unaudited)(unaudited)
Total segment contribution
$(2,883)$3,934 $(7,516)$10,265 
Ceded premium, losses and LAE
— 5,134 (5,242)11,548 
Other income
345 901 1,672 1,699 
Policy services expenses and other
2,242 200 4,305 1,999 
Sales, marketing, and other acquisition costs
12,092 (89)84,975 3,299 
Research and development
3,060 261 6,427 2,662 
Amortization of capitalized software
2,838 2,815 8,190 8,311 
Other operating expenses
14,200 3,922 39,511 13,138 
Loss from operations
$(37,660)$(9,210)$(147,354)$(32,391)
Geographical Breakdown of Direct Earned Premiums
Direct earned premium by state is as follows (in thousands):
Three Months Ended
September 30,		Nine Months Ended
September 30,
2021202020212020
(unaudited)(unaudited)
California$16,352 $15,737 $47,832 $43,343 
Washington3,567 3,086 9,931 8,410 
New Jersey2,853 2,475 8,061 6,718 
Oregon1,821 1,862 5,330 5,466 
Illinois1,133 1,179 3,193 3,381 
Arizona1,410 1,170 3,923 3,332 
Pennsylvania735 792 2,133 2,197 
Virginia
622 459 1,670 1,284 
Total premiums earned
$28,493 $26,760 $82,073 $74,131 
During the three months ended September 30, 2021 and 2020 (unaudited), the Company recognized $1.3 million and $1.1 million of revenue earned from customers outside the United States, respectively. During the nine months ended September 30, 2021 and 2020 (unaudited), the Company recognized $3.3 million and $3.6 million of revenue earned from customers outside the United States, respectively. Revenue generated outside of the United States is related to the Company's Enterprise business solutions segment. Long-lived assets are all held in the U.S. For the three months and nine months ended September 30, 2020 and 2021 (unaudited), substantially all of the Company’s revenue was earned from customers residing in the United States.