Business

Why Are Telematic Insurance Policies Among the Most Popular Options for Drivers?

Published

3 years ago

December 10, 2022

There’s no denying that insurance policies are hardly the most popular topic for most people, , especially businesses trying to make their mark on the industry. As a result, insurance can sometimes feel like it’s more trouble than it’s worth, but it’s much more crucial than most people think.

That said, with regard to insurance, one of the most vital policies involves commercial vehicles, as most business owners have a fleet of company cars to manage different tasks. Therefore, in most cases, telematics insurance has the distinction of having the most popular insurance policies among drivers.

The rise of telematics insurance

Telematics is a combination of informatics and telecommunications, and the process of telematics through insurance utilizes a device that can keep track of vehicle behavior. For example, an insurance policy involving telematics will use trackers to help identify driver behavior that needs improving. It might seem unnecessary until you realize that driver behavior directly impacts the price of the insurance policy. Telematics is one of the most groundbreaking aspects of car insurance, as it allows you to pay less depending on best-practice methods when on the road.

Not only will you save more on fuel costs through safe and optimal driving, but you’ll also pay less as far as insurance goes. It’s the foundation for the usage-based insurance model, which many people figured was impossible for insurance policies. Instead, you have telematics paving the road for insurance policies that offer fair and reasonable packages that can be improved based on how you drive.

A far cry from most other types of insurance

The trouble with insurance is you often have to deal with the whole package, as flexibility is rarely part of an insurance policy. While the usage-based pricing model has been around for a long time, the subscription model and other usage-based tactics do not translate very well to insurance. There isn’t much of a means to track your progress, making it a challenge to figure out how best to apply usage-based pricing to insurance.

At best, you can pick and choose what you want and leave it at that. It’s only through telematics that UBI was made possible, as it uses trackers to help figure out the best way to price insurance for vehicles. While it might not necessarily be widespread just yet, the popularity of UBI has steadily grown over time.

The best way to deal with commercial car insurance

The reason why telematics insurance is so popular with drivers in this day and age is it puts the power in their hands. It offers a means of success in a way that you won’t see anywhere else, as you likely won’t find insurance policies as flexible as the one offered by telematics. It’s undoubtedly one of the most groundbreaking forms of insurance policies, and it has irreversibly changed the direction of future policies.

We live in an age where people demand more flexible products. Whether it’s through software, physical products, or insurance, services that take personal preferences into account are the ideal methods moving forward. So it’s only a matter of time before UBI grows to the point where it becomes the norm.

Business

Click for Counsel: YesLawyer Wants to Make Lawyers as Accessible as Wi-Fi

Published

2 days ago

April 1, 2026

Matthew Wiles

Photo Courtesy of: YesLawyer

Byline: Andi Stark

For many people facing a legal problem, the most difficult part is not understanding their rights but finding a lawyer willing to speak with them in the first place. Long wait times, unclear pricing, and administrative hurdles often delay even the most basic consultations. YesLawyer, an AI-enabled plaintiff firm operating across all 50 states, is testing whether technology can shorten that gap.

Founded in 2024 by 25-year-old entrepreneur Rob Epstein, the platform offers free intake, automated screening, and, in many cases, same-day conversations with licensed attorneys. The idea is simple: reduce the friction between a client’s first request for help and an actual legal discussion. In this interview, Epstein explains how the system works, where artificial intelligence fits into the process, and what problems the company is trying to address in the broader legal system

Q: When you say you want lawyers to be “as accessible as Wi-Fi,” what does that mean in practical terms?

A: It’s a way of describing speed and availability. Someone dealing with a workplace dispute, a serious injury, or an immigration issue should be able to move from an online form or phone call to a real conversation with counsel in hours, not weeks. YesLawyer is structured so that a client begins with a free case evaluation, goes through automated conflict checks and basic screening, and, in many instances, speaks with a lawyer the same day.

Q: How does the process work once someone contacts the platform?

A: We use a structured workflow. It starts with a short questionnaire and an initial conversation to capture basic facts. That information feeds into conflict checks and internal review. The system then proposes a match with a licensed attorney and provides a calendar link for a virtual consultation, often within 24 hours. After the meeting, the client receives a written legal plan outlining next steps, deadlines, and estimated fees.

Q: Where does artificial intelligence fit into that process, and where does it stop?

A: AI is used for organizing and routing information, not for giving legal advice. It helps with conflict checks at scale, case categorization, and structured summaries so attorneys can focus on the substance of the matter. Every consultation is conducted by a licensed lawyer, and all decisions about strategy or next steps are made by humans.

Q: What problem is this model trying to solve in the current legal system?

A: Delay and cost are still major barriers. Many civil plaintiffs face long waits just to get a first appointment, along with high retainers and hourly billing that make early legal advice risky. We try to respond with faster consultations, flat-fee options, and financing. The idea is to remove administrative friction so lawyers spend less time on logistics and more time speaking with clients.

Q: Some critics say platforms like this blur the line between a technology company and a law firm. How do you describe YesLawyer?

A: We describe ourselves as a national, AI-enabled plaintiff firm that connects clients with independent attorneys. That structure does raise regulatory questions, especially around responsibility and oversight. We focus on licensing verification, attorney-written case plans, and clear communication about fees and services.

Q: You’ve said the main bottleneck is “systems” rather than people. What do you mean by that?

A: The issue isn’t that lawyers don’t want to help more people. It’s that the systems around them make it hard to scale their time. Intake, scheduling, and document handling take hours. Automating those parts means attorneys can handle more matters without being overwhelmed by repetitive tasks.

Q: Does this model risk favoring only the most profitable cases?

A: That’s a real concern in legal technology. Automation often works best for repeatable, high-volume disputes. Our view is that lowering administrative cost can actually make it easier to take on smaller or more complex cases that might otherwise be turned away. Whether that holds over time depends on the data.

Measuring Impact Over Time

YesLawyer’s attempt to compress the timeline between inquiry and consultation reflects broader changes in how legal services are being delivered. As artificial intelligence becomes more common in administrative work, firms are experimenting with new ways to reduce wait times and clarify costs.

The company’s early growth suggests that many clients value faster access to an initial conversation, even before considering long-term representation. Whether this platform-based model becomes widely adopted or remains one of several emerging approaches will depend on regulatory developments, lawyer participation, and measurable outcomes for clients. For now, YesLawyer’s experiment highlights a central question in modern legal practice: how quickly can help realistically be made available to the people who need it.