The July 2023 report, commissioned by ADEPT Driver, examines rising personal auto claims costs driven by worsening driver behavior and supply chain disruptions, which pressure insurers to raise premiums and risk losing customers. It outlines an ecosystem of technologies—telematics, driver behavior modification, and advanced driver assistance systems—that reduce accident frequency and related costs. The report urges combining these tools to cover each other’s gaps, reframing insurers as partners in safety rather than just risk indemnifiers, which can strengthen customer loyalty.

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