Nationwide has made numerous investments in and expansions of its personal and commercial lines usage-based insurance strategies over the past couple years, as the insurtech movement has introduced myriad new partners to the ecosystem. To break down where the company is now, and what the future holds for its UBI strategy, Digital Insurance interviewed Teresa Scharn, VP, product development for personal lines; and Pete Frey, commercial telematics manager; following is an edited version of that conversation.