Telematics Coordination

Overview

Telematics Coordination in Momentum AMS allows agencies to manage customer participation in telematics programs offered by carriers. These programs typically track driving behavior through mobile apps or plug-in devices, offering discounts for safe driving or adjusting premiums based on risk factors. The workflow ensures that staff explain the program clearly, assist customers with setup, monitor available data, and document premium adjustments. Using Notes, Tags, Tasks, and the Documents tab in Momentum AMS creates a full audit trail of the telematics process.

Step 1: Explain Telematics Program to Customer

• Identify Eligible Policies

  • From the Policies menu, filter for Personal Auto or Commercial Auto/Fleet policies with carriers offering telematics.

  • Open the Policy Record and review carrier eligibility or prior notes.

• Introduce Telematics Option

  • During onboarding, renewal, or endorsement changes, explain that the carrier offers a telematics program.

  • Highlight benefits such as safe-driving discounts or fleet monitoring features.

• Explain How It Works

  • Provide an overview of tracked data: mileage, speed, acceleration, braking, phone use, and driving times.

  • Review carrier privacy policies and explain how the insured opts in.

• Share Enrollment Instructions

  • Send the carrier app download link or device enrollment steps.

  • Include policy number, invite code (if provided), and carrier support contact information.

  • Upload the carrier’s telematics guide to the Documents tab for future reference.

• Document in AMS

  • In the Notes tab, add: “Telematics program explained on [Date] for [Carrier Program].”

  • Tag the Policy Record with “Telematics – Offered” or “Telematics – Educated.”

Step 2: Assist with Telematics Setup

• Confirm Enrollment

  • From the Policy Record, check Notes or Tasks to confirm the insured opted into telematics.

  • Identify if the carrier uses an app, plug-in OBD device, or Bluetooth tag.

• Arrange Device/App Access

  • For devices, log into the Carrier Portal and order the device.

  • For app-based programs, resend the download link and instructions via the Email tab in AMS.

• Provide Setup Instructions

  • Add a Task titled “Assist with telematics setup for [Insured Name]”.

  • Include step-by-step activation instructions in the Task details or Notes.

• Offer Support

  • Provide carrier tech support contacts and offer to assist via call if the insured struggles with setup.

  • Schedule a reminder Task to check in after one to two weeks.

• Document in AMS

  • Add a Note: “Telematics setup initiated on [Date] – instructions sent/Device ordered.”

  • Tag as “Telematics – Setup” or “Telematics – In Progress.”

Step 3: Monitor Telematics Data

• Check Data Availability

  • If the agency has access, log into the carrier’s telematics dashboard to review enrolled customers.

  • If no portal access, schedule follow-ups with insureds to ask about alerts and driving scores.

• Review Metrics

  • Focus on speeding, braking, mileage, phone use, and driving times.

  • Identify both high-risk and safe-driving behaviors.

• Follow Up With Insured

  • Use the Notes tab to log call or email check-ins about telematics results.

  • Provide coaching tips for improving scores or encouragement for safe driving.

• Keep Internal Records

  • Maintain a Saved Filter for “Telematics – In Progress” policies.

  • Use Tasks to set recurring reminders for periodic check-ins.

• Document in AMS

  • Add a Note summarizing findings: “Telematics data reviewed on [Date] – Insured trending safe/needs improvement.”

  • Tag as “Telematics – Monitored” or “Telematics – Risk Noted.”

Step 4: Adjust Premium Based on Telematics Data

• Monitor for Premium Adjustments

  • In the Policy Record, check for endorsements or activity indicating a premium change after the carrier’s review period.

• Confirm with Carrier if Needed

  • Review the new declaration page in the Documents tab.

  • Call the underwriter if the adjustment details are unclear.

• Notify the Customer

  • If a discount applies, call or email the insured and congratulate them.

  • If the premium increased, explain the risk factors and coach on how to improve future scores.

• Document in AMS

  • Upload the new dec page to the Documents tab.

  • Add a Note: “Telematics premium adjustment applied on [Date] – discussed with insured.”

  • Tag as “Telematics – Adjusted” or “Telematics – Discount Applied.”

• Prepare for Future Evaluations

  • Add a Task or Reminder: “Review telematics results at renewal.”

  • Maintain a log of adjustments across policy terms for reference.

✅ Result: By following these steps, agencies ensure telematics programs are explained clearly, set up properly, monitored effectively, and documented in Momentum AMS for compliance, service, and accurate policy management.