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Insurance verified Verified Outcome TRL 9

Usage-Based Insurance (Telematics Privacy)

domain Client: A major US auto insurer handshake Provider: Internal / Mobile schedule Deploy: Q2 2018 (Mobile Shift)
87 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Transitioning from OBD-II dongles to mobile app telematics, the insurer implemented strict data governance policies to protect driver privacy. The system collects driving data (braking, speed, time of day) but enforces policies that prevent this data from being used for claim denials (in specific states) or sold to third parties, balancing pricing accuracy with customer trust.

rate_review Analyst Verdict

"The privacy-value exchange. Customers will trade privacy (location data) for value (discounts), but only if the boundaries are clear. The governance here ensures that the 'Risk' data doesn't bleed into 'Marketing' or 'Legal' without explicit consent."

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

warning The Challenge

Mobile telematics captures highly sensitive location and behavioral data. Customers feared this data would be used to deny claims or track their movements. Regulatory bodies (DOI) required strict separation of rating variables from other data.

psychology The Solution

The app processes trip data on the edge (phone) where possible. Scores are transmitted to the cloud. Governance policies restrict access: Claims adjusters cannot see raw GPS tracks unless the customer opts-in for a specific accident investigation. Rating algorithms only see aggregate scores.

settings_suggest Technical & Deployment Specs

Integrations
Policy Admin System
Deployment Model
Mobile / Cloud
Data Classification
Telematics / Location
Estimated TCO / ROI
High
POC Summary (2016-01-01 to 2018-01-01)

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Battery Drain Low Motion activity detection API.
Legal Subpoena Medium Clear disclosure that data *can* be subpoenaed in accidents.

trending_up Impact Trajectory

Audited value realization curve

Collection of billions of driving miles Verified Outcome
Primary KPIGranular segmentation of risk profiles
Audit CycleCompliance with 50 state DOI privacy regs

policy Compliance & Gov

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

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for A major US auto insurer without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-887
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-887

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