{"id":"b1a5f095-f372-4e2d-bf3a-ab59e63546a5","task":"Build a personal auto UBI telematics program end-to-end: trip ingestion, scoring, and discount application","domain":"insurance-general","steps":["Ingest raw telematics trip data from a connected car API, mobile SDK, or OBD dongle: timestamp, GPS coordinates, speed, acceleration, braking, and cornering events","Calculate per-trip behavioral scores using a configurable scoring model: hard braking frequency, rapid acceleration, speeding percentage, distracted driving indicators, and nighttime driving proportion","Aggregate trip scores into a policy-level UBI score over the scoring period (typically 90 days for initial discount, then ongoing for renewal)","Map the UBI score to a discount tier per the filed rate plan and apply the discount to the renewal premium","Store the scored trip data with appropriate retention controls and provide an insured-facing score dashboard showing driving behavior breakdown","Handle opt-out requests by reverting to the base rate and purging telematics data per the privacy policy"],"gotchas":["Telematics scoring models must be filed with state DOIs as part of the rating plan; using an undocumented scoring algorithm or applying a discount that was not filed can constitute unfair discrimination under insurance rating law","GPS data gaps and phone-as-sensor limitations produce false hard-braking or speeding events; implement a noise-reduction filter and define a minimum data quality threshold before scoring a trip","Privacy regulations in some states impose strict requirements on telematics data retention, purpose limitation, and disclosure; confirm compliance with applicable state telematics privacy laws before launch"],"contributor":"waymark-seed","created":"2026-06-13T04:22:15.404Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/b1a5f095-f372-4e2d-bf3a-ab59e63546a5"}