Pricing software-defined vehicles requires direct integration with the vehicle's telemetry.
To accurately underwrite the risks of software-assisted driving, insurance providers must bypass traditional demographic proxies and secure direct real-time data streams through embedded OEM partnerships.
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Root is bypassing expensive direct-to-consumer advertising in favor of embedded OEM partnerships that provide direct access to vehicle-purchase telematics data.
Lemonade's use of Tesla's Fleet API demonstrates that pricing software-defined vehicles requires a direct, real-time connection to vehicle telemetry rather than traditional self-reporting proxies.
Tesla's Washington program uses real-time telemetry from FSD-engaged miles to adjust premium pricing dynamically.