Reactive claims operations cost more, are error-prone, and produce lower customer satisfaction. Reactive insurers wait for customers to start a claim, collect incident data manually, and confirm details that take time and resources. Telematics data makes claims operations proactive. Know when customers are in a crash. Proactively reach out to take care of them. Deploy in-network tow trucks. Review incident details before calling customers. Customers are happier, cycle times are faster, and outcomes are better.