Insurance Telematics is the overnight sensation that's been more than a decade in the making. And while telematics, usually associated with usage- or behavior-based insurance, is frequently portrayed as a revolutionary idea, it has failed to live up to its potential. Until now.

A confluence of technological and societal trends is finally pushing programs like Progressive's Snapshot, State Farm's Drive Safe and Save, Travelers' IntelliDrive, and others, into the mass market. In September, according to Robin Harbage, director at Towers Watson, 26 states had four-or-more personal auto usage-based insurance (UBI) programs, and Ohio had eight. Progressive has programs in 42 states and the District of Colombia and has written more than a billion dollars in UBI auto premium in the past 12 months.

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