Insurance is sometimes considered an uncontrollable expense. However, companies like Amerisure, Pacific Office Automation, Sparklight, and Tacoma Public Utilities have demonstrated that with GPS Insight, insurance costs can be manageable. Due to telematics and video data, these companies experienced lower premiums, fewer claims, and better protection against liability.
Amerisure: Improving the Loss Ratio
Amerisure Mutual Insurance faced a huge issue: some of its fleet policyholders had loss ratios as high as 117%, making them nearly uninsurable. By implementing GPS Insight as a mandatory safety partner, they significantly improved their insurance risk.
With our solution, Amerisure was able to:
- Drop the loss ratio from 117% to 30.1% in just two years.
- Achieve a 74% improvement in claims per $100,000 in premiums.
By using GPS data to mitigate high-risk behaviors like speeding, they reduced motor vehicle accident claims by 30%, which considerably lowered the cost of coverage.
Learn more > Amerisure Case Study
Pacific Office Automation: Video Proof
For POA, the primary insurance benefit was the elimination of at-fault liability. Using GPS Insight’s Driveri smart cameras, they gained the visual proof necessary to protect their insurance record from fraudulent or incorrect claims.
POA found they were able to:
- Reduce accidents from 1–2 per month to nearly zero.
- In a major collision with a bus, POA used side-view camera footage to prove their driver was not at fault. This forced the other party’s insurance to cover 100% of the costs, protecting POA from a big premium hike and deductible loss.
“You could actually see the bus driver in the mirror fail to look as he moved into traffic,” said technical manager Jeff Vogele. “Once we showed it to our insurance agent, there was no problem getting the bus company to pay for our repairs.”
High-definition video provided hard evidence to insurance adjusters, making sure that POA only paid for accidents they actually caused – which, after implementation, were almost none.
Learn more > Pacific Office Automation Success Story
Sparklight: Lowering Monthly Premiums
By proving to their underwriters that they had a verifiable system for reducing risk, Sparklight was able to negotiate more favorable insurance terms.
With GPS Insight, they were able to:
- Sustain a double-digit percentage decrease in monthly accidents.
- See a direct correlation between improved safety scores and lower annual insurance premiums.
By providing insurers with documented proof of improved driver behavior, they reduced the frequency and severity of claims that typically drive up renewal rates.
See more > Sparklight Overview
Tacoma Public Utilities: Avoiding Total Loss Claims
Insurance claims for vehicle theft can be really hard on a fleet’s loss history. Tacoma Public Utilities used GPS Insight to make sure a stolen asset never turned into a finalized insurance claim.
Due to GPS Insight, TPU:
- Recovered a stolen F-250 pickup truck within hours of the theft.
- Avoided a $50,000+ total loss claim. By recovering the vehicle before it was stripped or destroyed, they kept the incident off their insurance record.
- Real-time GPS tracking allowed police to intercept the vehicle, preventing a payout that would have increased TPU’s premiums for years to come.
“With GPS Insight, we were able to gather a world of data that would narrow it down to one suspect,” said fleet manager Don Ashmore. “Our part is to hand over the information and let the police do their job. We got our vehicle back without any major damage, which was really what we wanted.”
Get the details > Tacoma Public Utilities Case Study
Why GPS Insight Is An Insurance Necessity
The details from these four case studies make it clear: GPS Insight helps control insurance overhead. Savings are a direct financial outcome of better data.
Whether it’s Amerisure cutting its loss ratio by 87 points or Pacific Office Automation using video to stop a spike in liability costs, GPS Insight provides the information modern insurance carriers need. By cutting the frequency of accidents, providing visual proof of innocence, and preventing total loss claims through theft recovery, GPS Insight is the right solution for lowering a fleet’s risk profile.
| Company | Primary Insurance Benefit | Statistic |
| Amerisure | Loss ratio reduction | Loss ratio dropped from 117% to 30.1% |
| Pacific Office Automation | Liability exoneration | Accidents reduced from 2/mo to nearly zero |
| Sparklight | Premium discounts | Double-digit % decrease in monthly accidents |
| Tacoma Public Utilities | Theft claim avoidance | Prevented a $50,000+ total loss claim |
