As the world awaits the fifth generation of cellular technology, U.S. insurers are investing in telematics to track their policyholders while offering customers new services that also control losses and collect data for underwriters.

The Hartford Fire Insurance Co. on March 12 received a patent for a system that essentially acts as a back seat driver. The invention selects the safest route for the daily commute and tells drivers to slow down or speed up according to the timing of upcoming traffic signals.

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