Senior Auto Underwriter and Fleet Safety Consultant with 12 years of experience in the automotive insurance sector. Specialist in driver profiling, telematics technology, and complex liability disputes for both personal and commercial vehicles.
Elena Kowalski is a veteran of the auto insurance industry, having spent the last 12 years analyzing actuarial data and managing high-risk driver pools for major national carriers. Her expertise lies in the mechanics of policy pricing, specifically how credit scores, driving history, and vehicle technology impact premiums. She actively consults for logistics companies on implementing telematics to reduce accident rates and lower liability costs. Elena’s articles demystify the "black box" of insurance algorithms, offering actionable advice on everything from handling collision claims to understanding the nuances of gap insurance. She aims to empower drivers to negotiate better rates by understanding exactly what underwriters look for.