National-PL-III Personal Auto Policy hard
Under typical national telematics (UBI) programs filed with state DOIs, the rating-plan discount or surcharge is generated primarily from which data category? A Credit score and total household income reported on the application and verified against consumer credit-bureau files B Driver behavior signals — hard braking, rapid acceleration, mileage, time-of-day, and phone-handling C Vehicle make, model, and trim level pulled from VIN decoding, with no reliance on observed driving conduct D Garaging ZIP code and assigned territory factor, recalculated continuously as the vehicle travels between rating areas
