COI.
search Request for Consideration arrow_forward menu
close Submit Innovation
close
Insurance verified Verified Outcome TRL 9

OEM-Embedded Real-Time Auto Insurance

domain Client: Tesla Owners handshake Provider: Tesla schedule Deploy: 2019-Present
94 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: Very High

Executive Summary

ANALYST: COI RESEARCH

Direct-to-consumer insurance leveraging real-time driving data directly from the vehicle's ECU (Safety Score) to price monthly premiums, bypassing traditional proxies.

rate_review Analyst Verdict

"The most disruptive model in personal lines. By owning the hardware, the data, and the customer relationship, the OEM eliminates the 'proxy' data (credit score, age) and prices based on actual physics (braking, turning). It forces incumbents to race for data access."

lock
Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Traditional insurers rely on static factors (credit score, age, marital status) to guess a driver's risk. They lack real-time data unless the user installs a dongle or app (which has friction). Tesla owners felt penalized by high premiums despite the car's advanced safety features.

psychology The Solution

Launched an internal insurance division. The car itself reports driving behavior (Forward Collision Warnings, Hard Braking, Aggressive Turning) to generate a monthly 'Safety Score'. Premiums adjust monthly based on this score. Safer driving = lower bill next month. Claims are also partially automated using car sensor data.

settings_suggest Technical & Deployment Specs

Integrations
Vehicle ECU
Deployment Model
Embedded Hardware
Data Classification
Telematics / PII
Estimated TCO / ROI
Lower Monthly Premium
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Regulatory Approval High State-by-state filing battles.
Privacy Medium Opt-in model.

trending_up Impact Trajectory

Audited value realization curve

Premiums up to 30% lower for safe drivers Verified Outcome
Primary KPIIncentivized reduction in accident frequency
Audit CycleSeamless in-app purchase and management

policy Compliance & Gov

  • Standards: State Insurance Depts
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Telematics / PII

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
lock
verified_user
Technical Audit
PDF • Audited
lock

Related Intelligence

article
Autonomous Earthmoving Equipment
View Outcome →
article
Automotive Cloud & Software-Defined Vehicle
View Outcome →
article
Open Subsurface Data Universe (OSDU)
View Outcome →
Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Tesla Owners without exposing sensitive IP or identities.

Private
lock_person

1. Raw Evidence

Audit ID: #PRIV-571
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-571

Strategic Action Center

Identify your current stage and take the next step.

rocket_launch
Replicate This Success
Want similar results? Request a deployment consultation.
psychology_alt
Submit Challenge
Have a different problem? Submit your problem statement.
publish
Publish Case Study
Submit your own verified evidence.
thumb_up
Verify Impact
Audit your existing solution.