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While there’s no arguing that the OBD device allowed auto insurance innovators to put UBI on the map, many in the industry are beginning to wonder if first-generation technology is the best technology. In this disruptive age of self-driving cars, alternative fuel vehicles and shared ridership, warehousing OBD device and mailing them to customers for do-it-yourself installation seems a bit archaic. However, while a smartphone platform seems to offer a viable alternative, questions linger about the reliability and accuracy of data collected. Is it on par with information collected by OBD devices?

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