Mobility Data for Insurance Companies

Learn how Upstream helps mobility insurance providers to:

Enhance PHYD Policies

Power PHYD programs with unified telematics and behavioral driving scores

Optimize FNOL Processes

Accelerate accident investigations
with real-time insights

Monitor Threat Intelligence

Monitor automotive risks, theft, and misuse across the clear, deep, and dark web

Identify & Track Stolen Vehicles

Identify theft events and track stolen vehicles with telematics intelligence

Enhance PHYD Insurance Policies

Use connected-vehicle data to generate driving behavior scores and support scalable Pay How You Drive (PHYD) programs

Generate consistent driving scores across all vehicle brands and data sources using a live digital twin and insurer-defined scoring logic.
Integrate vehicle and policy data into a single source of truth that powers coordinated operations, a driver app for insights, and an insurer portal for visibility into scores and vehicle data.
Manage PHYD programs efficiently with no-code configuration and digital-twin visibility within the Upstream Platform.

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Optimize the Investigation Process

Improve FNOL accuracy, speed, and investigation quality using real-time connected vehicle data, unified telematics, and AI-driven analytics

Identify potential accidents in near real time using predefined logic and AI-based anomaly models to initiate FNOL quickly.
Reconstruct events and validate crashes using a live digital twin, supported by OceanAI for crash validation and chat-based accident investigation.
Trigger FNOL workflow actions automatically using real-time API integrations and automated workflow triggers.

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Monitor Mobility Threat Intelligence

Monitor automotive threat activity with AutoThreat® Pro, including vehicle-theft methods, fraud techniques, and safety-related risks surfaced across the clear, deep, and dark web

Surface actionable intelligence on theft tools and techniques such as relay devices, key programming tools, CAN-based attack tools, immobilizer bypass kits, ECU manipulation, and odometer rollback.
Track emerging threat trends by monitoring online forums and marketplaces for new exploits, misuse patterns, and fraud vectors that impact insurers.
Strengthen risk assessment with intelligence on which makes, models, and regions are being targeted by threat actors, supporting more accurate underwriting and loss mitigation.
Engage with threat actors when needed through AutoThreat® Pro’s analyst support, including direct communication, evidence collection, and access to purchased tools for validation and intelligence.

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Identify & Track Stolen Vehicles

Identify and track stolen vehicles using connected-vehicle telematics, behavioral anomalies

Detect theft indicators by correlating telematics anomalies with threat-informed signals, such as a vehicle moving without a key fob present or abnormal driving patterns inconsistent with normal behavior.
Trigger stolen-vehicle alerts and enable location tracking using live vehicle data, allowing insurers to follow vehicle movement in real time and support recovery processes.
Stay ahead of evolving theft methods by applying insights from AutoThreat® Pro, including the latest tools, techniques, and patterns used by threat actors.

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Data Integration & Visibility

Unify fragmented vehicle and policy data into a single architecture with the Upstream Platform, enabling multi-OEM scale and near real-time insurance insights

Normalize and harmonize data from multiple OEMs, mobile devices, dashcams or other systems into unified digital twins that align telematics, policy information, and historical behavior.
Improve data quality and consistency with platform-level normalization and cleansing that ensures reliable, insurer-ready data for analytics, scoring, and operational workflows across brands.
Simplify integration across systems with a unified API and multi-OEM data architecture that eliminates custom pipelines and reduces engineering overhead.

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