Shutterstock, Gabriele Maltinti

Until now, U.S. insurers have intentionally restricted the impact of their telematics programs by holding riskier drivers harmless. In other words, insurers told policyholders entering into their telematics programs that their premium could only go down or remain the same. Higher risk drivers’ premiums would not be increased even if the telematics device revealed driving behavior that actually warranted a higher premium.

But now the world has changed.


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