Someday your cellphone may tell the insurance company which car you're driving and how well you're operating it. Insurers are testing smartphone apps that can monitor and report real-time driving data, which the companies can then use to predict whether drivers will file claims and to price the policies accordingly. Developers say the technology will take pay-as-you-go car insurance programs to a new level. "It's just amazing what phones can do," says Dave ...
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