As technology continues to transform various industries, the field of personal injury law is not immune to its impact. One area where technology is revolutionizing the insurance landscape is through the introduction of usage-based insurance (UBI). UBI utilizes advanced data collection devices to monitor and assess an individual’s driving behavior. While UBI primarily focuses on risk assessment and premium adjustments, it also presents an exciting opportunity for enhancing personal injury discovery.

About one third of auto insurance customers in the United States reported a rate increase in the past year, leading a growing number of them to move to usage-based insurance (UBI). This has led to the largest decline in customer satisfaction in 20 years, according to J.D. Power’s 2023 U.S. auto insurance study. Participation in usage-based insurance programs more than doubled since 2016, the report found, with 17% of auto insurance customers participating in such programs. Among new customers, the UBI participation rate is high at 26%.