The Unseen Passenger: How Telematics Data Is Reshaping Private Passenger Auto Insurance
As auto manufacturers build more sophisticated safety devices into their cars, telematics providers will need to access to determine that they are present and operating.
Insurers interested in tapping into telematics technology can benefit from more sophisticated hardware, speedier communications technology and the widespread use of cloud storage.
Some drivers will find ways to provide misleading information, such as turning off systems or moving sensors. Insurers have learned to begin monitoring on a short-term basis, then extend programs only when information patterns fall within expected ra
California's enhanced privacy legislation, which took effect in 2020, requires that those who collect data, such as telematics providers, to make that data available to the person being monitored.
Because many insurers are adopting telematics programs that operate via smartphones, some telematics providers have learned to interpret data that shows if a person is operating a vehicle or sitting elsewhere.
