2021-12-02 Meeting notes

Public Page

   CIECA 500 Westover Dr  #11617; Sanford,  NC  27330 

Date

Dec 2, 2021

Agenda

• Antitrust Agreement and Meeting minutes acceptance

• Review OEM telematic systems

• Work through CIECA impacts of Telematics and recommendations.

Meeting Minutes

• Antitrust Accepted

• Meeting Minutes Accepted

• Welcomed Ed Mondragon to the Committee

• We reviewed last week's meeting and viewed the Excel Document with the Providers, URL to telematics and the telematics available.

  • Paulette had homework assigned from the last meeting to see if there was web pages that compared telematics for OEMs.

    • MYCar, MYCAR™™ | OEM Telematics Comparison Chart (mycarcontrols.com), had a list of OEM and telematics, but it was last updated in 2018.

      • The look of the page was liked by the committee members, with the simple checkmark to say if the OEM telematics had the Telematics as an option.

        • The group decided that we did not need to have an X to say an OEM did not have that telematics because it made the view more confusing.

    • MT/Motortrend, Aftermarket vs. In-Market: OEM Telematics vs. Verizon Hum (motortrend.com), has a page published about the advantages of Aftermarket and OEM telematics and some of the issues that OEM have in providing the telematics as third party vendors.

    • The third party vendors have a site where they can compare telematics, but it does not include OEM, Best Commercial Vehicle Telematics in 2021 | Review and Comparison By 360Quadrants.

    • IMS, IMS | OEM Embedded Telematics: Key Advantages and Challenges for Data Collection, discusses the Pros and Cons of OEM Telematics data.

      • Pro:

        •  Because the sensors and capabilities are integrated directly into the vehicle, OEM solutions deliver a high degree of data accuracy and detection of vehicle health events during vehicle operation. 

        • Smartphone connectivity can be coupled with in-vehicle communication equipment, including the driver console and interfaces that generate voice alerts or failure warnings, enhancing driver engagement and supporting richer communication.

      • Cons

        • Lacks standardized data types and formats: Until manufacturers agree on standards for the data collected and transmitted, OEM solutions will be difficult to implement for insurers. 

        • Applies only to the newest vehicles: Programs based on OEM data collection can only be used with the latest vehicles that have integrated capabilities. 

        • Presents uncertainties in certain areas: The timeline surrounding OEM data collection solutions is uncertain with many questions remaining about what the actual data costs will be once this approach matures. Privacy issues and data ownership questions are also areas of uncertainty.

    • A list of the US Telematics companies does not provide OEM Telematics.

• Question of what Insurance Providers use for Telematics,

  • This is variable, there are State Regulations that prevent some information.

  • Some have a dongle that plugs into a vehicle and others can use an app on a smartphone.

• Time to repair would be useful information from the insurance adjuster estimate or estimate in help in working with the repair.

  • This could be litigation for accident/privacy

• Insurance Product Offering

  • Traditional Coverage - designed by how many miles and past records

  • New Tech Coverage - Based on driving score based on data from telematics

• The question of who owns the data of the vehicle is still up in the air and is still a key concern to the industry. Is the OEM the owner of the data, is the Vehicle Owner/Renter the owner of the data or is it a combination and privacy of data will be based on the data?

  • Some States have started the definition of who owns the data and others have not.

  • Getting the Driver/Vehicle Owner/Renter’s consent will be critical in using the Telematic services for insurance and repair.

• Scan tool can provide information based on the damage of the car and what Telematics is not responding for repair. There needs to be a checklist on items to do for Telematics in the shop; discuss what Telematics are used (OEM, Aftermarket), turn off telematics that may cause risk in repair (Auto Start/Auto Lock features), fixing the telematics and clearing crash notification, asking the experience with Telematics.

• What messages does CIECA have today that are impacted by Telematics.

  • FNOL from the vehicle calling 911 or Emergency contact for ambulance. to deciding if a vehicle is a total loss and needs salvage or destination of repair.

    • OnStar is a manual call at this time where a live operator initiates a conversation with the occupants of the vehicle when a crash is detected.

    • Determining Medical attention needed and possibly Total Loss is an equation using the Delta V (change of Vilosity, Speed at crash and how long it took to stop) and if airbags were deployed.

• Data Sharing between the industry would help with Repair and Recyclers and Salvage

  • OEM information on if a vehicle has recalls and if those recalls were corrected before crash.

  • Insurance information providing Salvage and Recyclers the estimate that shows the damage to the vehicle, so they know what parts may or may not be of value on the vehicle.

  • Salvage can expedite a total loss if they know what parts may be of value and what parts are not of use because the recall was not corrected prior to crash.

  • At this time, there are services such as CarFax that can be used to get the history of a vehicle.

  • OEMs provide API to pull recall information from a VIN, however, the data coming back from the OEM is not standard and something that different vendors have an issue implementing into the system.

  • The State of Vehicle API would be nice to get parts that are good and bad.

  • Insurance Company would prefer a vehicle that is total loss not be sent to a bodyshop, so if the use of telematics would provide a total loss estimate, then the vehicle could be sent to Salvage before sent to shop.

  • There are hurdles for the insurance companies that do not track recalls and they do not have the authority to pass owner information to other parties in the industry.

  • Information Providers such as CCC and Mitchell pulls the VIN today, do they check Recall information?

    • The Estimating systems know if a recall exist on a vehicle but does not know if it is repaired.

  • Blockchain will keep history of all of the recall information and when it is fixed.

  • NHTSA, Check for Recalls: Vehicle, Car Seat, Tire, Equipment | NHTSA, is a website that will provide if there is a recall on a vehicle by VIN and if it has been repaired. We were going to assign this as homework for everyone to check the recalls, however, we have some members that have VINS memorized or within easy access and were checking recalls during the meeting

• The OEM Roundtable and CIECA have spoken about participation in January 2022, the exact time of the CIECA presentation is not known at this time.

Great Meeting Everyone! We were going to assign all homework to Ed, however, Fred was absent so we decided he needed all the homework… so everyone send your VIN to Fred so he can find out if you have a recall Paulette will work on new design of OEM Telematics.

Up Next

• Antitrust Agreement and Meeting minutes acceptance

• Review OEM telematic systems

• Work through CIECA impacts of Telematics and recommendations.

Action items

Decision

Participants

• Paulette Reed (Scribe)

• Ginny Whelan

• Fred Iantorno

• Gene Lopez

• Anthony Adams

• Mark Allen

• Stacey Phillips

• Kevin Keating

• Chris Fatica

• Benito Cid

• Ed Mondragon

• Chuck Olsen

• Shris Caris

• Phil Martinez

• Don Porter

• Andrew Nicolay

• Sandy Blalock

• Jonathon Dady

Participants in the meetings are noted for your information.  If you have questions on the committee’s activities, please contact a recent attendee. https://cieca.atlassian.net/wiki/spaces/ETAC