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(PAYD) or Pay-How-You-Drive (PHYD), these programs use data on mileage, time of day, speed, and braking habits to calculate a personalized insurance rate.
* OEM telematics services: Many vehicle manufacturers now include tracking technology as a standard feature. These built-in systems provide services like emergency assistance (eCall), remote diagnostics, and concierge services. Manufacturers also use the collected data for research, development, and to offer services like predictive maintenance.

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