At this point, it seems advisable to consider incorporating the same technology in all vehicles insured by our organization. Doing so would allow incident and loss investigators to accurately asses the precise factors responsible for losses, to confirm and verify the information provided by the insured, and to more accurately establish the basis of allocating fault based on objective data that indicates exactly what factors are responsible for losses. Moreover, the real-time capabilities of the GPS technology systems that are currently available for these types of applications would also allow the continual monitoring of driver behavior for compliance with vehicular traffic laws as well as for the purpose of confirming other pertinent information upon which policy terms and pricing are based. In the event of...

According to our legal department, it may also be capable of implementation without the knowledge or consent of the insured. Regardless of which specific application is ultimately selected, we are confident that the adoption of GPS-based information systems in insured vehicles will reduce the incidence of unwarranted claim reimbursement and allow more accurate policy writing based on actual driver behavior. It is therefore respectfully recommended that this approach be strongly considered.