CALCULATION OF DRIVER SCORE BASED ON VEHICLE OPERATION FOR FORWARD LOOKING INSURANCE PREMUMS

CALCULATION OF DRIVER SCORE BASED ON VEHICLE OPERATION FOR FORWARD LOOKING INSURANCE PREMUMS
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基于车辆操作计算驾驶员分数以获取前瞻性保险费

DOI：
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发表时间：
2017
期刊：
影响因子：
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通讯作者：
Frohwein Tempel Greenlee
Frohwein Tempel Greenlee
中科院分区：
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文献类型：
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作者：
US 20070027726A;Frohwein Tempel Greenlee

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车辆的监控使用提供了准确可靠的数据，可用于确定车辆操作员的可保风险。本发明公开了一种用于监控车辆操作并使用所收集的数据来计算驾驶员分数的系统和方法。驾驶员分数然后可以被应用于确定为特定驾驶员投保的风险，以及被用作用于定义或调整被保险驾驶员的保险单的条款的工具。诸如车辆被操作的时间、车辆被操作的位置以及车辆如何被操作的速度或其他特性之类的数据的收集都可以用于计算驾驶员分数。通过在车辆内安装车辆监控器并提取此数据或类似数据，可以开发更准确和有利可图的保险政策。
The monitored use of a vehicle provides accurate and reliable data that can be used to determine the insurable risk of a vehicle operator. What is disclosed is a system and method for monitoring vehicle operation and using the collected data to calculate a driver score. The driver score can then be applied to ascertain the risk of insuring a particular driver, as well as being used as a tool for defining or adjusting the terms of an insurance policy for an insured driver. The collection of data such as the times the vehicle is operated, the locations the vehicle is operated and the speeds or other characteristics of how the vehicle is operated can all be used to calculate the driver score. By installing a vehicle monitor within a vehicle and extracting this or similar data, more accurate and profitable insurance policies can be developed.