InsureVision today announced the launch of two products aimed at enabling insurers to underwrite profitably by leveraging video-based risk intelligence: TeslaStick, designed for personal lines embedded insurance, and FleetVision™ for commercial fleet risk assessment. Both solutions address the ongoing multi-billion dollar crisis facing the industry.
The future of personal lines insurance lies in embedded video, using cameras already built into vehicles. Tesla’s vehicles, for example, feature forward-facing cameras that continuously monitor the road ahead through the Tesla Dashcam, storing footage on a simple USB drive in the glovebox. While other manufacturers offer dashcam systems, most only capture short clips during collisions or require manual activation. Tesla’s continuous monitoring provides a more comprehensive data source for insurance risk assessment without the need for additional hardware.
TeslaStick transforms this existing infrastructure into actionable risk intelligence. The device plugs into the Tesla’s glovebox USB port to access the continuous video feed from the Dashcam. A companion smartphone app detects road risks using a custom risk Transformer Network. When an event occurs, the app retrieves relevant footage, which is then analyzed by InsureVision’s AI to assess the full driving context. The technology applies the same sophisticated scene understanding used in autonomous vehicles to insurance risk evaluation.
TeslaStick will be distributed through a B2B2C model, allowing insurance companies to white-label the device for their Tesla-owning customers, enabling personalized, risk-based pricing without building their own AI infrastructure.
FleetVision™, targeting commercial fleets, addresses what may be insurance’s most urgent challenge. Insurers have struggled to price fleet risk accurately and to identify drivers who could trigger catastrophic claims. Traditional sensor-based systems cannot differentiate between a heroic brake to avoid an accident and risky driving behavior. However, commercial fleets already collect vast amounts of dashcam footage, historically used only post-incident. InsureVision’s technology analyzes this footage to identify behavioral signals such as following distance, situational awareness, and lane discipline, providing predictive insight into crash risk before claims occur.
FleetVision delivers two key benefits, according to CEO Mark Miller. Carriers can price fleets accurately from day one, preventing catastrophic risks, and identify drivers likely to trigger high-cost claims before they occur. The system allows insurers to intervene proactively and price risk based on contextual scene understanding rather than crude mechanical proxies.
“The future of all insurance is embedded,” says InsureVision CEO Mark Miller. “Look at what Lemonade’s doing with Tesla insurance – they aim to leverage how much Full Self-Driving you use, which is a proxy at best. We’re going across everything. Whether you’re using autopilot or driving manually, we’re getting a truer picture of risk by understanding the complete driving environment and the context, not just the metrics. We’re simply accessing the Tesla Dashcam feed through their USB port. The phone detects braking events, fetches the relevant footage, and our transformer AI analyses the context. It’s that straightforward.”
