Near‐miss telematics in motor insurance
提出一种将远程信息处理数据整合到按驾驶行为付费保险定价中的方法，对近碰撞事件进行惩罚或奖励，并以实际驾驶员数据为例说明其对安全驾驶的激励作用。
Abstract We present a method to integrate telematics data in a pay‐how‐you‐drive insurance pricing scheme that penalizes some near‐miss events. We illustrate our method with a sample of drivers for whom information on near‐miss events and claims frequency records are available. We discuss the implications for motor insurance ratemaking. Our pricing principle is to combine a baseline insurance premium with added extra charges for near‐miss events indicating risky driving (or discounts) that can be updated on a weekly basis. This procedure provides an incentive for safe driving. In our real‐case study illustration, hard‐braking and acceleration events as well as smartphone use while driving increase the cost of insurance.