The Unseen Passenger: How Telematics Data Is Reshaping Private Passenger Auto Insurance
Insurers have spent decades attempting to assess drivers' likely behavior. Nothing tells that story like the data generated by telematic devices.
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.
More sophisticated telematics technology has been matched by greater ease of storing and accessing data, thanks to the growing presence of cloud-based computing.
