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.
Telematics is evolving along multiple hardware paths, including fob, apps and even via auto-based wifi.
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
Given that early hackers have shown their ability to penetrate vehicle systems, those setting up telematics programs have to employ state-of-the-art security practices, including revisiting security at each layer of access.
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.
