He feels there is a long way to go in mobile telematics and his team is geared up for that journey to change road safety and insurance. First, it will make insurance pricing more equitable by setting prices based on how someone drives, that is focusing on causative factors such as phone distraction, speeding and not demographic factors such as age. Moreover, by providing feedback about driving, people can become better drivers, making roads safer by reducing crashes. Second, using telematics for real-time crash detection for roadside assistance and then using AI-based crash reconstruction, will help people in need much quicker and more accurately. Third, telematics will expand to include video and other emerging sensors, providing even better data for these applications. “Last, if we move toward more autonomous vehicles (AVs), all insurance will become telematics-based. That is the world we are likely to be in the next decade. At that point, ensuring an AV, which will have to share roads with traditional vehicles and pedestrians, will be based on evaluating the quality of AV sensors, the AI algorithms used in the AVs, and the quality of software,” says Balakrishnan.