Harold Leitner

P&C insurers are required to notify policyholders when their policies are cancelled for any reason. If they do not, and a former policyholder’s claim is rejected, they can be sued for damages well in...

It has been fascinating to watch the development of telematics for driver safety over the past 15 years. We have gone from telematics hardware costing thousands of dollars to being virtually hardware...

Connected cars are disrupting auto insurance by providing very detailed vehicle usage and driver behavior data. Auto insurers can now access safety metrics like blind spot warnings, following-to-close...

Connected vehicle telematics is disrupting how auto insurance is sold and what policyholders expect in terms of a personalized auto insurance experience. The depth of driver behavior data from...

When I talk to insurance carriers, I often hear the following, "We have a mobile app and adoption is disappointing", or "We already have a customer web portal, they don’t want a mobile app". I...

Many insurers give their policyholders very simple mobile apps that only provide policy services like premium payments and ID card downloads. However, these mobile apps are often just mobile friendly...

Insurers are in a challenging market. Claims are increasing, premium growth is limited, and technology investments are needed to remain competitive, to name a few. Many are trying to wring every bit...

Author: Harold Leitner Smartphone Telematics is more than UBI No one can deny that telematics derived driver behavior data is one of the best predictors of at-fault accidents. It is also true that...

Many insurers are reluctant to offer smartphone telematics because they think it is only good for usage-based-insurance (UBI). This is not true. Smartphone telematics immediately helps insurers take...

For traditional insurers, once a policy is bound it is ‘wait and see’ if there is a claim. There is little to no connection or collaboration with policyholders to reduce the frequency or severity of...

Many insurers believe that smartphone telematics is relevant only when driving metrics can be used as rating factors in UBI products. While better loss ratios from UBI are a compelling benefit of...

Fear and money are significant motivators to influence behavioral change and works better than simply advise and education. This is particularly applicable for auto insurers who are trying to...