Should auto insurers be able to monitor the sleep patterns of their policyholders?

Executive Summary

Regulators in some states have decided not to allow auto insurance companies to use time of day as a rating factor, a former insurance regulator revealed at a recent conference.

The question is not as far-fetched as it seems in a world where carrier creativity and technology advances increasingly complicate the jobs of insurance regulators—and where auto insurers are already monitoring driving behavior, according to Diane Koken, a former insurance commissioner for the state of Pennsylvania and past president of the National Association of Insurance Commissioners.

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