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By having telematics data available for claims management, consumers and insurers alike could gain a better understanding of how to mitigate auto accidents. (Photo: iStock)

With Americans clocking more time behind the wheel than ever before, additional miles can be a challenge to auto insurers. How can insurers make a dent in accident frequency and severity, both of which are currently on the rise?

Data tells the story. Americans drove a combined 3.1 trillion miles over the 12 months through March 2016, with the average auto liability claim for property damage at $3,493 and bodily injury at $17,024, according to research from Verick Analytics. Not coincidentally, in 2015, the United States experienced the “highest one-year percentage increase in traffic deaths in half a century,” according to the National Safety Council. But what if an insurance company could reduce both the frequency and severity of claims?

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