"Auto insurance telematics, subject to proper oversight, could lower costs for safe drivers and replace unfair, non-driving factors used by many insurers today," Doug Heller, CFA's insurance expert, said. (Credit: metamorworks/Shutterstock.com)

Auto telematics has the chance to give consumers lower, fairer prices while incentivizing safe driving behaviors, but "guardrails" are needed to prevent the data collected by these programs from being misused, according to the Consumer Federation of America's (CFA) white paper, "Watch Where You're Going: What's Needed to Make Auto Insurance Telematics Work for Consumers."

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Steve Hallo

Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected]