The Unseen Passenger: How Telematics Data Is Reshaping Private Passenger Auto Insurance
More sophisticated telematics technology has been matched by greater ease of storing and accessing data, thanks to the growing presence of cloud-based computing.
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.
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.
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
Customers will share their data, but only if insurers are clear about how it will be used and how its use will add value to the customer.
