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技术改变汽车保险
作者:湖北東鼎泰科電子    发布于:2014/6/30 17:11:42    〖返回列表
        Technology Is Reshaping Vehicle Insurance
June/July 2014
Cyril Zeller

Usage-based insurance, or UBI as it''s known, represents a major paradigm shift in the way automobile insurance risks are assessed. Until now, these risks were assessed based on static, statistical data like age, gender, car model, and so on. The application of telematics technology makes it possible for insurers to make objective assessments of risk based on realtime, dynamic data like mileage, areas travelled, time of day, keeping to speed limits, engine RPM, and fuel level, as well as driver behavior.

Insurers benefit from the ability to detect and retain the majority of the lowest-risk drivers. In return, drivers can enjoy significant discounts on their premiums. Better yet, awareness of being assessed in realtime provides psychological conditioning—ultimately encouraging better driver behavior to the benefit of society.

When automotive SatNav-systems exploded in popularity, UBI apps for smartphones began their rise. While smartphones have the requisite functionality, including sensors to detect acceleration, braking and cornering, they suffer from usability and reliability issues.

As a result, insurers tend to prefer in-vehicle, OBD (on-board diagnostics) dongles instead of the smartphone apps. These devices can easily plug into the vehicle''s OBD-II service port. Let''s take a look at why.

Smartphone Issues
For insurers, free UBI trials allow smartphone services to be employed as a "teaser" that: (a) introduces the concept; (b) allows drivers to see their driving behavior at the end of the trial; and (c) informs them about the potential reduction in their premium if they drive carefully.

Nevertheless, they remain problematic. A smartphone may not always be on when the car is driven. Or, the app may not be compatible and certified for use with the phone''s operating system or platform.

While there are vocal advocates for smartphone UBI, the insurance industry, and regulators remain concerned about reliability and fraud. Moreover, UBI policy that requires ownership of a smartphone is unlikely to pass the "fairness" test, as many drivers do not own one of these pricey devices.


Regulators are sensitive to the fact that phones can be removed, run out of battery power, be dropped or become airborne during an impact. Plus, behavioral data such as braking, turning, and accelerating is likely to be inaccurate and unreliable because phones are rarely perfectly oriented to the vehicle''s travel plane.


In almost all international jurisdictions, courts could find insurers liable for negligence and damages when there is a "better" solution available—particularly in the event of life-saving applications like emergency response.

Insurers considering a smartphonebased solution will need to consider variables including how to engage users, quality variation among phone equipment and usage, and include associated risks in their business model from the start. A complex equation.

Dedicated In-Vehicle Devices
By contrast, in-vehicle OBD-II data loggers are unobtrusive, provide more accurate driving data, are inexpensive, and easy to install. Used in tandem with a smartphone, a hybrid solution can combine the data quality of the installed device with customer-friendly features like on-screen displays.

More importantly, UBI solutions based on OBD-II in-vehicle devices address the concerns of the insurance industry and regulators. For example:

Fairness: Regardless of vehicle type, demographics, or socio-economic status, all insured automotive drivers are measured the same way.

Reliability: A dedicated hardware solution ensures that the connectivity between the vehicle and provider is controlled and timely.

Security: Dedicated hardware significantly reduces the potential for fraud.

Undistracted driving: Data loggers do not require user interaction—potentially preventing the disastrous consequences of cellphone-induced distraction while driving on the road.

Store and Analyze the Data
Of course, UBI can generate massive amounts of data. A single vehicle can generate nearly 200K data points in a year. Even with smart filtering of raw data and/or sorting it to reduce carrier costs, there''s no doubt a lot of UBI "Big Data" will be generated in the coming years. Insurers need a way to make sense of the data in order to reward drivers who drive safely.

Thankfully, other M2M markets have extensive experience in storing and analyzing Big Data. As a result, we are witnessing a rise in the number of innovative, cloud-based solutions that enable visual analytics, which, applied to the insurance space, can present driver information in an easy-to-understand, graphical interface.

Conclusion
Though smartphone popularity continues to rise, the use of UBI smartphone apps will remain problematic. The regulatory climate is unfavorable and the legal risks are significant. Dedicated solutions based on dedicated hardware provide an ideal alternative with robust results that address the requirements of both the industry and regulators.


Cyril Zeller is vice president, Global Telematics at Telit Wireless Solutions. He is responsible for developing and executing Telit''s corporate strategy for the worldwide telematics industry, especially in the area of fleet management, stolen vehicle recovery, and usage-based insurance.
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