State Auto Adopts CCC X Data Exchange for UBI, Telematics-enabled Claims

The Exchange will activate a broad range of capabilities to support the insurer’s strategic imperative to offer telematics-based products and services.

(Image credit: Adobe Stock.)

State Automobile Mutual Insurance Company (Columbus, Ohio) has gone live on CCC Information Services Inc.’s (Chicago) CCC X data exchange, which the vendor says will activate a broad range of telematics capabilities in support of the insurer’s vision to transform the policyholder experience through innovation.

Paul Stachura, SVP/Chief Claims and Risk Engineering Officer, State Auto.

State Auto is using CCC X to connect with CCC ecosystem partners, including a major OEM, and to deliver usage-based insurance (UBI) programs and telematics-enabled claims, making it the first insurer in the industry to integrate crash event data into its CCC ONE® claims workflow, CCC reports. The CCC and State Auto relationship spans the carrier’s Personal and Commercial lines of business.

“We’re excited to extend our partnership with CCC as we move forward together toward a more innovative future,” comments Paul Stachura, Senior VP/Chief Claims and Risk Engineering (CARE) Officer, State Auto. “Telematics is a strategic imperative for us. CCC’s data exchange stands out as a way for us to quickly and easily access the data, providers, and applications needed to deliver exceptional experiences for customers, while creating efficiencies and bottom-line impact for our business.”

CCC X aggregates and normalizes connected data from a range of sources including beacons, dongles, mobile applications, fleet and professional devices, and connected cars. Through the CCC ONE Platform, CCC X passes connected car data to customers on the CCC network through software-driven workflows that serve the automotive ecosystem. Data accessed via CCC X can be deeply integrated into existing insurer business operations for UBI programs, increased claims automation, and more, according to the vendor.

In its use at State Auto, CCC X does the following, as described by CCC:

  • Receives data streamed from multiple sources, including a major OEM and a third-party device provider. Within the OEM program CCC has made available to the market, State Auto will use actual driving behavior to identify consumers to engage with by advertising discounted insurance policies.
  • Ingests telematics data from enrolled vehicles and provides additional analytics to help identify when an enrolled State Auto-insured vehicle is involved in an accident. Information regarding the potential accident is shared automatically with a State Auto first notice of loss representative, initiating the first steps in a comprehensive claims experience. State Auto can use this data to inform its decision-making in real-time, including vehicle routing and preferred method of inspection (based on carrier guidelines).

“CCC is proud to serve as the engine for State Auto’s telematics and connected data efforts,” comments Naved Siddique, Group VP, Insurance Services Group, CCC. “We share their commitment to technology innovation and its power and impact on transforming the way insurance is delivered and serviced. We’ve worked with State Auto successfully for many years and are excited to help bring the full power of telematics to life.”

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at [email protected] or (503) 936-2803.

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