Disruptive is a word tossed around a lot in the world ofinsurance technology, but it's difficult to argue with DeloitteConsulting's Steve Packard—and others—that the use of telematics tomake up what is known as usage-based insurance (UBI) fits thatdescription.

“Our point of view is [telematics] is a very disruptivetechnology that in some ways could revolutionize the way autopolicies are underwritten,” says Packard, a Deloitte director andauthor—along with John Lucker and Mark Hill—of the report“Telematics: Driving the automobile insurance market throughdisruption.”

At this point, Lucker, a Deloitte principal, believes mostinsurance carriers are thinking of telematics in thebehavioral-based aspect of the technology.

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