Telematics data is becoming the single most important tool for risk segmentation, but the real business and societal benefit of usage-based insurance (UBI) is likely to come from behavior modification and driver safety.  The industry is beginning to understand the power of this data and looking for best practices to employ UBI as a game changer for reducing accidents and saving lives.  This panel will explore how the industry is making a difference by not just segmenting insureds by safe and unsafe driving practices, but highlighting the methods that are being implemented to identify unsafe driving behaviors which can be improved, how these behaviors can be communicated to insureds, and methods for motivating short term and long term behavior modification.