For decades, insurance rates were based on proxies: your age, your zip code, your credit score. None of these actually measured how you drove. Telematics changes that.
Behavioral Metrics
By accessing real-time accelerometer and GPS data, insurers can reward safe drivers. Key metrics include:
- Hard Braking Events: Deceleration > 7 mph/s.
- Cornering G-Force: Lateral acceleration indicating aggressive turning.
- Time of Day: Late-night driving (2 AM - 5 AM) correlates with higher accident risk.
The Privacy Trade-off
While this democratizes insurance, allowing young drivers with safe habits to escape the "under 25" penalty premiums, it raises massive privacy concerns. Our API supports "Data Masking" modes where raw GPS coordinates are processed on the edge, and only the "Risk Score" is transmitted to the insurer.