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As time passes, what was once considered innovative becomes commonplace. Not too long ago, the financial credit score as a rating variable for premium underwriting was an innovation. But now insurance industry watchers have turned to telematics. Over the past decade, a number of insurers have transitioned from discussion and experimentation to market introduction of insurance telematics. Still, as with most good tales, the hero has to prove its worth. And telematics has not been an exception to that rule.

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