# Faultprint Operating Diagnostic: Travelers IntelliDrive

Run ID: FP-OPERATING-0013
Mode: Operating Mode
Institution: Travelers
Corpus: Public IntelliDrive and IntelliDrivePlus pages
Diagnostic track: Source-of-Truth Collapse
Report posture: Findings only. No recommendations.

## Executive Read

The reviewed corpus supports high monitored exposure around app-based driver scoring, renewal premium adjustment, and riskier-driving premium increase in most states. Travelers describes a 90-day capture period, scoring of multiple behaviors, and use of each enrolled driver's performance to calculate renewal premium. The report does not classify failure because the corpus lacks dispute outcomes, premium samples, validation records, or complaint evidence.

### Finding TRAV-F01: IntelliDrive captures and scores covered drivers' behavior.

Finding classification: Exposure.

Evidence Anchor

- Source: Travelers IntelliDrive page.
- Corpus locator: `What is IntelliDrive`.
- Evidence excerpt or bounded evidence note: Travelers states IntelliDrive is a 90-day program that uses a smartphone app to capture and score driving behavior of drivers covered on the policy.
- Claim type: Source Fact.
- Analytic bridge: Captured and scored behavior becomes an operating classification surface.
- Confidence: High.
- Falsification test: Program records showing scoring is not used for policy outcomes would downgrade exposure.
- Boundary: This does not prove score error.

### Finding TRAV-F02: Driving performance is used to adjust renewal premium and can apply for the life of the policy.

Finding classification: Exposure.

Evidence Anchor

- Source: Travelers IntelliDrive page.
- Corpus locator: `How does IntelliDrive work`.
- Evidence excerpt or bounded evidence note: Travelers states collected driving performance is used to adjust premium at first renewal and applies for the life of the policy.
- Claim type: Source Fact.
- Analytic bridge: A time-limited data collection period can produce long-lived pricing consequences.
- Confidence: High.
- Falsification test: Policy records showing the performance result is temporary or non-pricing would downgrade exposure.
- Boundary: This does not establish whether consequences are adverse for a particular customer.

### Finding TRAV-F03: Riskier driving may result in a higher premium in most states.

Finding classification: Exposure.

Evidence Anchor

- Source: Travelers IntelliDrive page.
- Corpus locator: `Renewal premium impact`.
- Evidence excerpt or bounded evidence note: Travelers states safe habits can lead to savings while riskier driving may result in a higher premium, with state exceptions.
- Claim type: Source Fact.
- Analytic bridge: Express premium-increase authority raises the consequence level relative to discount-only programs.
- Confidence: High.
- Falsification test: State-specific rules showing riskier driving cannot increase premium would narrow this finding.
- Boundary: This does not prove improper premium increase.

### Finding TRAV-F04: IntelliDrive collects braking, acceleration, speed, time of day, and distraction information.

Finding classification: Exposure.

Evidence Anchor

- Source: Travelers IntelliDrive page.
- Corpus locator: `What information does IntelliDrive collect`.
- Evidence excerpt or bounded evidence note: Travelers lists braking, acceleration, speed, time of day, and distraction as captured driving habits.
- Claim type: Source Fact.
- Analytic bridge: Multiple behavior factors create a composite score vulnerable to measurement and weighting questions.
- Confidence: High.
- Falsification test: Technical records showing low error and effective event correction would downgrade exposure.
- Boundary: This does not disclose weighting or error rates.

### Finding TRAV-F05: No public dispute or correction breakdown is evidenced.

Finding classification: Null finding.

Evidence Anchor

- Source: Reviewed Travelers public corpus.
- Corpus locator: `Corpus-level review`.
- Evidence excerpt or bounded evidence note: The reviewed corpus does not include score appeal records, trip-correction samples, premium dispute outcomes, validation audits, or complaint-to-correction records.
- Claim type: Analytic Inference from corpus absence.
- Analytic bridge: Without failed correction or harm evidence, this run cannot classify collapse.
- Confidence: Medium.
- Falsification test: Records showing recurring unresolved IntelliDrive disputes would eliminate this null finding.
- Boundary: Absence from public materials does not prove absence inside Travelers.

## Scope Calibration

The corpus supports exposure around app-based scoring, renewal premium adjustment, long-lived policy consequences, and possible premium increase in most states. It does not support claims of failure, score error, failed correction, or customer harm.

This report makes no recommendations.