Usage-based insurance (UBI) has rapidly moved from innovation to expectation in personal auto. Policyholders now assume their premiums will reflect how, when, and how safely they drive. For insurers, this shift unlocks more accurate risk modeling and competitive pricing. But behind the scenes, a less visible challenge is emerging—one that many carriers are underestimating: The data processing gap between telematics and claims. The Hidden Complexity of UBI Data UBI programs ge
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