http://ezinearticles.com/?Why-Telematics-Is-a-Major-Disruptor-in-Insurance?&id=9507355 2741009234941582512-blid-4266003949109682269

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The vehicle telematics system and User-Based Insurance (UBI) are key trends in the auto insurance industry and expect a disruptive change in the near future. Digital technology is transforming the insurance marketplace enormously and the insurers are investing significant attention to meet the customer expectations by adopting vehicle telematics system.