Telematics and claims. Insurers are changing the claims model for policyholders and utilizing technology in new ways. (Photo: Shutterstock)

There’s a difference between haste and speed. One leads to wasteful mistakes. The other can set a new benchmark for performance and elevate the customer experience. In auto insurance claims, the right data at the right time can lead insurers past the pitfalls of haste to the rewards of speed. The difference is precision, and there’s no faster channel for delivering precise, powerful claims data than telematics.

With traditional claims models, it can be hard for insurers to muster anything approaching haste, much less speed. The process is passive at the outset. It depends first on the policyholder — amid the stress that follows an auto accident—to contact the insurer and initiate a claim. This is the first of many steps that include vehicle inspection, damage estimation, repair and often haggling over liability allocation — a messy, unpredictable progression that can add incrementally to the customer’s stress and the insurer’s expenses.

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