The latest new products from InsureVision, launched at the CES event recently;
Commercial auto insurance has hemorrhaged more than $30 billion over the last decade, with carriers losing money in 13 of the past 14 years. Nine of the top 10 US carriers posted underwriting losses, driven by nuclear verdicts averaging $110 million per case. In 2024 alone, the industry lost almost $5 billion, or $7.10 for every $100 in premiums written. All this despite premiums increasing annually.
InsureVision today launched two products at CES 2026 that empower carriers to underwrite profitably by accessing video-based risk intelligence: TeslaStick for personal lines embedded insurance, and FleetVision™ for commercial fleet risk assessment – directly addressing the industry’s multi-billion dollar crisis.
The future of personal lines insurance is embedded video, using cameras already built into vehicles. Tesla’s vehicles come equipped with forward-facing cameras that continuously monitor the road ahead through the Tesla Dashcam, storing footage on a simple USB drive in the glovebox. While several manufacturers offer built-in dashcam systems (Rivian’s Gear Guard, BMW’s Drive Recorder, Cadillac’s Surround Vision Recorder), most only capture brief clips during collisions or require manual activation. Tesla’s continuous monitoring makes it uniquely suited for comprehensive insurance risk assessment – no additional hardware, no installation, no wires.
TeslaStick transforms this existing infrastructure into sophisticated risk intelligence. The device plugs into the Tesla’s glovebox USB port, accessing the continuous video feed from Tesla Dashcam. A companion smartphone app detects road risk using a state of the art custom risk Transformer Network. When an event occurs, the app retrieves the relevant footage from the TeslaStick and InsureVision’s vision transformer AI analyses the complete driving context – the same sophisticated scene understanding that powers autonomous vehicles, now applied to insurance.
“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 – 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.”
TeslaStick will be distributed through a B2B2C model – insurance companies purchase and white-label the device for their Tesla-owning customers, enabling personalised risk-based pricing without requiring insurers to build their own AI infrastructure.
Simultaneously launching is FleetVision™, addressing what may be insurance’s most urgent crisis. The fundamental problem is two-fold: insurers cannot accurately price fleet risk before underwriting, and they cannot identify which specific drivers pose nuclear claim risk. Traditional sensor-based systems were supposed to fix this, but a harsh brake saving a child looks identical to a distracted driver nearly killing one. The signal is just noise.
Meanwhile, commercial fleets are sitting on the solution: petabytes of forward-facing dashcam video, historically used only after crashes occur. But the same footage contains behavioural signals that predict crash risk: following distance, situational awareness, lane discipline. This critical context has sat unused because video-to-risk understanding hadn’t been solved at scale.
Progressive stands alone with an 88.2% combined ratio while the industry averages 107.1%, and only 4 of the top 20 commercial auto insurers are profitable. Progressive won through telematics data scale. Video-based assessment represents the next data flywheel, delivering 3x better predictive accuracy.
“FleetVision delivers two critical capabilities,” explains InsureVision CEO Mark Miller. “First, carriers price fleets correctly from day one based on actual driving behaviour, preventing them from underwriting catastrophic risks in the first place. Second, you identify exactly which drivers are carrying your next multi-million dollar nuclear claim – before it happens. It takes just one driver to generate the nuclear claim that wipes out decades of profits in a single verdict. Now you know which one, while you still have time to intervene. Finally, we can price risk accurately using contextual scene understanding, not crude mechanical proxies.”
InsureVision’s technology – contextual driving risk assessment using vision transformer AI – has already demonstrated breakthrough performance supported in a review by Dr Neale Kinnear of Affective Mobility and Dr Johnathon Ehsani of Johns Hopkins University. Traditional harsh braking provided 8.3% predictive uplift for at-fault claims whilst InsureVision’s combined approach delivered 22.5% – a 3x improvement.
InsureVision will showcase TeslaStick and FleetVision™ at the COVESA CES2026 Networking Reception on January 6, 2026, from 6:00pm-9:00pm at the Bellagio Resort & Casino (3600 S Las Vegas Blvd, Las Vegas, NV 89109). Carriers and industry partners are invited to attend live product demonstrations and discuss partnership opportunities.
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