Usage-Based Insurance, Driver Scoring & Loss Mitigation
Equip commercial auto insurers and fleet risk managers with empirical driving data, crash reconstruction, and loss ratio reduction.
Commercial motor insurance is evolving toward Usage-Based Insurance (UBI) and Pay-How-You-Drive (PHYD). Objective telematics data provides insurers and large captive fleets with verifiable risk scoring.
Fraudulent Accident Claims & Unverified Losses
Commercial auto insurers face high fraud ratios due to staged accidents and inflated damage claims.
Lack of Granular Risk Profiling
Treating careful transporters the same as high-risk operators, preventing dynamic premium pricing.
Stolen Vehicle Recovery Delays
Slow asset recovery leading to total loss payouts on commercial trucks and construction machinery.
Sub-Second G-Force Crash Reconstruction
High-frequency accelerometer recording captures exact impact G-forces, speed, and braking before collision.
Empirical Driver Risk Scoring
Multi-dimensional scoring model based on night driving ratios, speeding frequency, and harsh maneuvers.
24/7 Stolen Vehicle Recovery Assist
Anti-jamming GPS with remote engine immobilizer integration assists law enforcement in rapid recovery.
Engineered harnesses and fitment kits validated across all OEM models:
Direct automated telemetry feeds matching regulatory server protocols:
“Telematics crash reconstruction transformed our claims investigation, cutting payout disputes from weeks to hours.”
How does the system ensure data privacy for commercial drivers?
All telemetry data is processed in strict compliance with the India DPDP Act 2023 with encrypted transmission and role-based access controls.
Can insurers ingest telematics scores directly into underwriting systems?
Yes. TapandTrack provides secure REST APIs and webhooks that export aggregated risk scores directly into insurer core systems.
Optimize Your Insurance Telematics Fleet Today
Our regional fitment team provides certified device fitting, sensor calibration, and portal integration across your operations.