Insurance companies use ELD data to better understand a trucker's driving behavior and performance. This information can then be used to assess the level of risk associated with insuring a particular driver or trucking company and to set insurance rates accordingly.

Specifically, insurance companies may use ELD data to:

1. Evaluate driving habits: ELD data can provide insights into a trucker's driving habits, such as their speed, braking patterns, and overall driving style. This information can help insurance companies assess the risk of insuring a particular driver.

2. Monitor compliance with regulations: ELD data can help insurance companies monitor compliance with regulations such as hours of service rules, which limit the amount of time a trucker can spend on the road.

3. Determine accident risk: ELD data can provide information about a trucker's driving history, including any accidents they have been involved in. This information can help insurance companies assess the risk of insuring a particular driver or trucking company.

4. Set insurance rates: Based on the information obtained from ELD data, insurance companies can set insurance rates that accurately reflect the level of risk associated with insuring a particular driver or trucking company.

It's important to note that not all insurance companies use ELD data, and the use of this data is subject to various legal and regulatory restrictions. It's best to check with a legal expert or industry professional for the most up-to-date information on the use of ELD data in your jurisdiction.