Smile Pretty Flo is Taking your Picture…

We found that Progressive made a filing (which was placed on file)
which included Usage Based Insurance (UBI). According to the filing, a device that plugs into the vehicle‘s On-Board Diagnostic port records the date and time of installation and disconnection and the time of day and speed at which the vehicle is
operated. After 30 days, a usage factor is derived from the vehicle information data. There is a fee charged to the insured for the UBI program.
Specifically, the usage factor considers the following driving elements: hard braking, time of day and mileage. If the usage
factor indicates a discount, it will be applied for the remainder of the policy term to all eligible coverages on the enrolled vehicle, and through all coverage changes thereafter endorsed onto the policy. All enrolled vehicles will remain in the program.
If the vehicle has the minimum required amount of connectivity, the participant will be asked to return the device. Any achieved discount will remain on the vehicle for the life of the policy. If the vehicle does not have the minimum required amount of connectivity, the vehicle will be evaluated again at the next renewal. If the vehicle still does not meet the minimum connectivity requirement, the vehicle will be removed from the program and any usage‐based discount will be removed
prospectively. If the vehicle has the minimum required amount of connectivity but the usage factor does not indicate a discount, the vehicle will be removed from the program.

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