Unlike the UK, where 40% more drivers opted for usage-based insurance year-over-year, according to the British Insurance Brokers' Association, U.S. consumers have been reticent to adopt the product. But new initiatives from automakers may make the value easier to communicate and deliver, industry experts say.

The Wall Street Journal reports that General Motors, Toyota and Volkswagen are among multiple automakers experimenting with new “driver state sensing systems”, developed by startups Eyeris Technologies, Harman International Industries and auto parts supplier Delphi Automotive PLC. The software analyzes facial expressions to detect signs of exhaustion and road rage, differing from current data insurers collect such as, how far customers drive or how often they brake and accelerate. Delphi’s driver monitoring system is expected to be installed in two vehicles to be sold in 2017.

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