Usage‐Based Insurance (UBI) is a recent innovation by auto insurers that more closely aligns driving behaviors with premium rates for auto insurance. Telematics devices measure miles driven, time of day, travel location, rapid acceleration, hard breaking, and hard‐cornering, among other data points. While underwriters love UBI programs, some privacy experts are concerned.

Nicole Wixted gave an overview of the legal implications of UBI and moderated a session that discussed best UBI practices, and how UBI may be employed in other sectors of the insurance market.