On underwriting and pricing, the challenge is how quickly models can adjust to sustained increases in distraction and aggression when traditional rating variables may not fully capture behavioral risk. On product design, carriers are weighing where to build in incentives for safer driving without adding undue complexity or alienating price-sensitive buyers. On claims and litigation, the growing role of telematics, dashcam footage, and incident data is central to reducing disputes, supporting early settlement, and defending against nuclear verdicts, especially in commercial auto.
‘Less predictable, less trusted’ roads pile pressure on auto insurers, Nationwide study finds
