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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Lemonade's strategy bypasses traditional proxy-based insurance rating by pricing risk dynamically using real-time telematics.
Root's founder states the theme's law as corporate strategy — pricing software-defined driving requires embedding directly with the OEM's vehicle data before the manufacturer takes the risk itself.
Tesla's insurance program relies on direct telemetry integration to score drivers and incentivize autonomous driving usage with premium discounts.