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1、TransformingtheautoinsuranceindustrywithtelematicsAT&TM2MBusinessSolutions©2014AT&TIntellectualProperty.Allrightsreserved.AT&TandtheAT&TlogoaretrademarksofAT&TIntellectualProperty.WirelessCloudCommunicationsCommandMobileAppsCenterPortalOBDIIDevicesHarnessthepowerWhatareinsuranceoftelematicstelem
2、atics?InsuranceTelematics,orUsage-BasedInsurance(UBI),InsuranceTelematicsenableaninsuranceprovidertoisaninnovationinsurersareemployingtotransformutilizetheAT&Twirelessnetworktocollectmachine-to-theirbusinesses.Byleveragingtechnologyandmachine(M2M)informationtobetterassessactualharnessingthepower
3、ofthe“alwayson”broadbanddriverrisk.Telematicsenablesthecapturingofdetailednetwork,InsuranceTelematicsprogramsareshiftingdrivinginformationanddatasuchasdrivingtimes,theoperatingparadigmbetweentheinsurerandthelocations,speeds,contextualenvironmentaldataandinsured.AT&Tofferstheexperienceandturn-key
4、vehicleinformation.solutionstohelpcompaniesrealizethebenefitsofBeforeInsuranceTelematics,insurancecompanieshadInsuranceTelematicsatarapidpace.noideahow,where,howmuch,orhowfastcustomersdrove.Agentsreliedonpreviouscustomerclaims,DMVdrivingrecords,andgeneralquestionsaskedduringthepolicyapplicationpr
5、ocesstodeterminecostsandcoveragelevels.Now,insurerscanascertainamuchmoreprecisepictureofacustomer’sdrivingbehavior,enablingagentstowritemoreappropriatepoliciesandofferrewardsorlowerratesforsaferdriving.2©2014AT&TIntellectualProperty.Allrightsreserved.AT&TandtheAT&TlogoaretrademarksofAT&TIntellec
6、tualProperty.AwinforinsurersandcustomersInsuranceTelematicsoffersmanymeasurablebenefitsregularlyreviewedtakingintoconsiderationmultipleforinsurers.Thefirsthardbenefitforinsurersisfrauddatapointssuchasthetimeofdaydriven,averagereduction.Forexample,imagineafraudulentclaimspeedsondifferenttypesofroads
7、,howfastandhardawhereanaccidentisreportedbyacertaindriveratacaracceleratesorbrakes,howfastcornersaretaken,certaintime.WithTelematics,theinsuranceormanyothers.Byrewardingsafedrivers,insurershelpinvestigatorcansimplylookatdata
