Many US carriers are actively pursuing usage-based insurance (UBI), with the aim of deriving a simple, digestible driver score that is demonstratively related to loss propensity. UBI driving scores are particularly powerful because they give incremental lift to traditional data sources, such as motor vehicle records (MVRs), credit scores or demographic data. UBI also provides continual data throughout the life of the policy, enabling carriers to monitor the ongoing risk associated with a specific customer. In recent years, carriers have considered different ways to collect UBI data, many of which have proven to be very expensive.