IMS | Insurance Telematics

Analytics and Insights Services that Help You Understand Your Book of Business and Individual Customers from Every Angle

Get actionable insight and grow your organization with our full spectrum of insurance analytics and insights services.

Scoring and Rating

Flexibility and collaboration are key to a smooth, data and analytics journey. IMS offers full flexibility and complete openness in scoring and rating. Precisely assess risk for each policyholder and encourage safe driving behaviors while generating actionable intelligence for your entire book of business.


Flexible, Collaborative Solutions for your Business Needs

Not all insurers are alike. IMS recognizes that there is not a “one size fits all” approach to scoring. IMS provides flexible options to meet your program and business objectives.

IMS Scoring and Rating Options:

Option A

Direct access to IMS’ proven scoring models in addition to IMS' internal analytics team to develop or refine your unique scoring and rating system.


Option B

Your insurance actuarial models refined with the benefit of IMS' expertise and available internal analytics team.


Sample of IMS’ public-facing customers who leverage IMS’ scoring and analytics:


Option C

Work with one of IMS’ analytics partners.



Driving Behavior Insights – for Scoring:

IMS analyzes the most number of driving insights for your scoring consideration. These insights are delivered to policyholders as coaching and feedback and to insurers as components to be used in generating a driving score. Insurers choose the driving insights most relevant to their program objectives.



Distracted Driving Insights – for Scoring:

Insurers can detect distracted behaviors, including time, duration and even severity level of smartphone usage while driving.

Distracted driving insights are measured and provided back to the driver for coaching and driving behavior improvements. Insurers are also able to take these insights and formulate a distracted driving score or include them in an overall behavioral assessment score based on program requirements.


Why Choose IMS for Scoring and Rating?

  • Complete transparency and collaboration in our modeling, providing insurers with a tailored scoring experience that meets the unique product, market and/or program goals.
  • Differentiation created through a Differentiated Rating System and leverage of IMS’ experience in Scoring UX to display scores in a meaningful, easy-to-understand experience for policyholders that results in positive improvements in driving behavior.
  • Experience based on over 5 trillion collected data points and combinations of machine learning and AI techniques instilled over the last decade – and growing exponentially.
  • A more accurate representation of driving behavior given that, unlike other scoring models, IMS’ scoring goes beyond discrete events.
  • Experience working with a multitude of data sources, due to the data source agnostic approach of the DriveSync® platform – preventing scoring biases that may be caused by data sources.
  • Scoring solutions that automatically take into account the difference between passenger and driver as well as mode of transportation.


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FNOL Automatic Incident Detection

Immediately begin assisting the policyholder with the best course of action.

When an incident takes place, the involved vehicles are frequently towed and taken to a storage lot. This not only delays the repair and adds to the claims cost, but during this time, the owner also loses visibility on where his/her car is located and its status. IMS’ Automatic Incident Detection service leverages IMS’ advanced analytics capabilities to inform your First-Notice-of-Loss (FNOLprocess and accurately identify collision incidents. In doing so, it reduces inefficient claims expenditure due to avoidable secondary towing and storage charges.

Automatic Incident Detection for the FNOL insurance process can provide auto insurers with rapid notification of a claims incident, allowing insurers to immediately begin assisting the policyholder and processing the claim, while directing the towing service to the policyholder’s desired service center. It does so by leveraging available device sensors (e.g. accelerometer, gyroscope), collected driving data (e.g. speed), and contextual data sources (e.g. road segment data) to detect crashes with high confidence. This enables IMS’ Automatic Incident Detection capabilities, including intelligent delivery of crash notifications, to program participants, and their emergency contacts, as needed.

IMS' Automatic Incident Detection Service

What's Included:

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Data cleansing

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Geo-spatial reconstruction and contextual analysis and reconstruction

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Incident vehicle dynamics profile analysis

At the point of incident detection using IMS' Incident Detection service, insurance agents can immediately:

  • Determine the state of the driver and offer to contact emergency services.
  • Confirm whether the vehicle requires towing.
  • Confirm the driver's consent to initiate a claim/FNOL event with his/her insurer.
  • Extend valuable and convenient services such as arranging for a car rental or hotel in accordance with the driver's policy.



  • Reduce and manage claims costs with real-time collision and location information for incident assessment purposes – helping to avoid unnecessary towing and storage charges.
  • Improve response times with detailed reconstructions of incidents and associated driving behaviors.
  • Minimize the latency between each incident and the resolution of the incident claim.
  • Mitigate risk of excessive, non-reimbursable claims costs to the policyholder.
  • Improved peace of mind for drivers - knowing their incident is being helped efficiently, carefully and with their interests also in mind.

IMS Business Center

Equip your program teams with program data and analytics necessary to help better manage users, inform decision makers and provide insights for measuring the success and health of your connected car or insurance telematics program.



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IMS Business Center

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