Your Car as a Data Provider: How Telematics is Reshaping Auto Insurance
Telematics is fundamentally changing the auto insurance landscape through Usage-Based Insurance (UBI) or "pay-how-you-drive" policies.
Instead of relying on traditional factors like age and credit score, insurers can now offer personalized premiums based on actual driving behavior.
By installing a dongle or using a smartphone app, the system collects data on:
Mileage: How much you drive.
Time of Day: Driving during risky late-night hours.
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