The cost of not knowing what's happening
on the road
Every policy priced without behavioral data is a bet you're making blind. Here's what that costs.
Redlined Loss Ratios
LOSS EXPOSUREYour combined ratio is sitting at 108%. You raised premiums across the board — and your best drivers left for competitors offering behavior-based discounts.
When you price every 22-year-old the same, the safe ones opt out. You're left with the riskiest 40% of a cohort, paying premiums designed for 100%. Adverse selection isn't a theory — it's your Q3 results.
One-Size-Fits-All Tables
PRICING BLIND SPOTActuarial tables from 2019 can't differentiate a 19-year-old who drives 4 miles to work from one who drag-races on weekends. Both get the same quote.
Zip code, age, vehicle type — the trifecta of crude proxies. A fleet manager with 340 vehicles loses $2,400/year per unit because underwriters can't see that their drivers average 6.2 hard braking events per 100 miles versus the industry's 14.8.
Fraud Blind Spots
FRAUD RISKStaged accidents cost US insurers $40B annually. Without behavioral telemetry at the moment of impact, you're reconstructing events from police reports filed 72 hours later.
OBD-II captures g-force vectors, speed at impact, and seatbelt status in the 400ms before collision. That's evidence. Without it, you're paying adjusters to argue with claimants over what might have happened.
From ignition to insight in under 2 seconds
RiskPulse ingests raw telemetry and returns a structured risk score before the driver leaves the parking lot.
import { RiskPulse } from '@riskpulse/sdk' const client = new RiskPulse({ apiKey: 'rp_live_xxxxxxxxxxxx', sampleRate: 40, // Hz webhookUrl: 'https://your-api/risk-updates' }) // Trip-end webhook payload (arrives <2s after engine off) const score = await client.getLatestScore(vehicleId) // { riskScore: 91, percentile: 94, flags: [], premium_delta: -18.4 }
Plug-in dongle or native CAN-bus integration. First data packet in < 90 seconds.
40Hz telemetry: GPS, accelerometer, gyroscope, throttle, brake pressure, RPM.
ML model trained on 4.8B miles scores every trip on 14 dimensions in real time.
Webhook delivers updated risk score, percentile rank, and anomaly flags < 2s after trip end.
Midwest commercial fleet. 340 vehicles.
12 months. Real numbers.
A regional trucking insurer deployed RiskPulse across an existing book. Here's what the data showed.
Deployment Timeline
The Telematics Playbook
47 pages of benchmarks, methodology, and implementation blueprints used by 12 carriers and 3 insurtechs. No fluff — the actual numbers.
What's Inside
Full dataset of 47 metrics included in the Playbook.
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