Traditional insurance telematics rate the driver’s speed, hard braking and four other risky-driving behaviors and data parameters to create a standardized insurance telematics driving score. Each insurance company can then determine the threshold score value for their drivers, which essentially determines the financial factor on the premiums. KarChing’s differentiator is our proprietary blended hybrid driving
How often and when driving scores are sent to insurance companies is entirely dependent upon the individual insurance company. KarChing will send report requests based upon their business needs.
This will vary from a few months to years, depending upon your insurance company's data maintenance and record retention best practices.
If you are a passenger in a car, it does not negatively impact your driving score if you use your phone. But you'll have to prove that you are indeed a passenger and not the driver. If the car is moving faster than 8 m.p.h., a screen will pop open and you will need to