Just how Mobile Telematics Are Producing Our Roads Safer

1 of the trademarks of car insurance in the twenty-first century is the fact that there truly isn't one -- that is, the landscape of auto insurance is consistently changing with new technologies every day. Here, we explore how mobile telematics alternatives are the key to helping not simply your automobile insurance business stay forward of the curve, but for create safer tracks for a lot of.

"Don't text and drive. "

"Phones just really should not be allowed in the car, ever. inch

"People who use phones in the car deserve what happens to them. inches

These are all common mantras one hears in many conversations surrounding mobile devices and car use. And with good reason; often, those who utilize their phones while driving are doing so at the expense of paying attention to the trail, endangering their own lives and the lives of these around them.

But what if it were possible to use mobile devices safely in the car? Better yet. What if it were possible for mobile cell phones and tablets to make an effort to make driving, well, more secure?

Sound too good to be true? It just isn't -- all thanks to the rising tide of mobile telematics solutions that allow auto insurance companies to interact with their customers like never before. Mobile telematics solutions funnel the power of lightweight, everyday devices, such as smartphones, smartwatches, and tablets to be able to meet customers on "their territory". These kinds of applications, according to Intellimec, offer "an unique possibility to transform [... ] The market by leveraging technology the vast majority of consumers already have". After all, the huge majority of drivers already owns at least one of those devices and use them daily in order to maintain communication, consume news and entertainment, and even regulate multiple social media channels.

Seeing that a result, car insurance service providers around the world and across the United Claims are steadily embracing usage-based insurance (UBI) methods. UBI allows these carriers to accumulate massive amounts of real-time data issues policyholders' driving patterns and patterns through telematics applications specially designed to track use patterns, frequent destinations and routes, and even traffic or weather conditions during accident or crash situations. This insurance firms may change their plans and guidelines to each unique rider.

But what telematics features specifically create these more secure roads for drivers? A few explore a few of them.

Premium Tech for Both Insurers and Customers

You've probably heard the phrases "cloud-" and "SaaS-based analytics" systems thrown surrounding the insurance and admin direct in recent months. Cloud-/SaaS analytics are shaping back up to be the central source of auto insurance; such systems offer astoundingly configurable dashboards that allow you and your drivers to make sense of the live data stream from the mobile iphone app and web portal. Consequently, businesses can now customize their policies and premiums to their clients' driving record. Simply put, drivers are rewarded for "good" tendencies -- and this means safer roads for all!

Advanced Informative Tools and Data Collection Capabilities

Yet what actual tools within the system permits such fastidious information management? The best mobile telematics software keep track of your entire hard brakes, rapider-than-usual speed, time spent behind the wheel, and even your most highly frequented locations and routes. As above mentioned, these features work with each other to produce reports of your driving patterns, as well as to suggest less dangerous or faster routes to your usual destinations.

Telematics applications can even identify drivers from non-drivers in order to develop accurately constructed reports for both regular monthly updates and FNOL promises filing. Policyholders may even receive live updates on traffic and impending weather, Furthermore, the most advanced systems contain teen driving a car programs, offering parent/guardian-sanctioned location and speed parameters to help beginner drivers develop safe driving habits. Sometimes with social media can play a role if the users so wish; drivers operating on telematics networks can interact with the other person to change useful tips, creating safer, more well-protected driving conditions for all drivers.

Improved Customer Proposal On and Off the Road

All the above tools formulate an atmosphere in which clients and insurers have interaction with the other person on more equal footing -- and within relationships build on deeper trust. Auto insurance providers have the ability to acquire raw data from consumers, who no longer need worry about providing proof of conditions after accidents. Mobile telematics transform the client-business romantic relationship from one based on responsibility of proof and accusation, to 1 based simply on creating better driving a car conditions for each and every driver.