M2M technology is addressing the auto industry. Notable benefits to drivers are increased security, infotainment and real-time usage based insurance.
Traditionally Insurance differentiates and reward "safe" drivers. M2M applications enable differentiation is a reflection of present patterns rather than history of behavior.
For a real application see link below:
I think Allstate in the US are doing something similar with their DriveWise product: http://www.allstate.com/drive-wise.aspx
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