For decades, insurance companies devoted thousands of hours and millions of dollars to complex investigations of insurance claims, trying to determine whether claimants were lying or telling the truth. Now, a would-be fraudster can concoct an elaborate excuse only to find their scheme foiled by the gadgets within the very vehicle they may be trying to get fixed. 

As digital technology becomes a standard part of every car, so do tracking devices that can determine everything from the route you took, where you stopped and if you were, say, going even just a kilometre or three over the speed limit. What are the implications for drivers, and the insurance industry at large?

GUEST: Aaron Hutchins, Maclean's

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