Xemplar Auto

Xemplar Auto, developed by Xemplar Insights, is a smartphone-based telematics solution designed to help personal auto insurers monitor driving behavior and promote safer driving practices through data-driven insights. The platform leverages sensors built into policyholders’ smartphones to collect driving data such as acceleration, braking, cornering, and speeding, which are then analyzed to generate safety scores and support usage-based insurance programs. The system provides two main interfaces: a policyholder mobile application and an insurer-facing analytics portal. The mobile app is typically branded by the insurer and allows drivers to track trips, view their safety scores, receive personalized safety tips, and participate in gamified challenges that encourage responsible driving habits. It also supports policy services such as premium payments and access to policy documents, while enabling users to submit a first notice of loss with photos or videos directly from the app in the event of an accident. On the insurer side, the analytics portal presents driving data through visual dashboards and charts that help underwriting and actuarial teams assess risk exposure and identify behavioral trends among drivers.