Beginner's Roadmap to Working with Driving Behavior Data
Beginner's Roadmap to Working with Driving Behavior Data
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初学者使用驾驶行为数据的路线图
DOI：
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发表时间：
2012
期刊：
影响因子：
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通讯作者：
J. Weiss
中科院分区：
文献类型：
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作者：
J. Weiss
动机：基于使用情况的汽车保险已受到广泛关注，但推动这些计划的驾驶行为数据一直是有限的学术审查的主题。在本文中，我们揭示了处理这些数据所带来的挑战和风险，并讨论了精算师如何收集、组织和分析驾驶行为以用于保险应用。方法：在本文中，我们利用历史背景来确定处理驾驶行为数据的目标、挑战和风险。我们确定支持数据收集所需的基础设施的关键原则，重点是车辆远程信息处理。我们研究示例驾驶行为数据以及如何将其组织到数据库中以进行预测建模和分类。我们最后讨论了数据的示例用例。结果：驾驶行为数据使保险公司能够在定价、承保以及损失控制或减轻方面实现独特的目标，但它也带来了独特的挑战和风险。结论：健全的数据管理使保险公司能够利用驾驶行为数据来实现组织目标，同时应对这些数据带来的挑战和风险。
Motivation: Usage-based auto insurance has received considerable publicity, but the driving behavior data that fuels these programs has been the subject of limited academic scrutiny. In this paper, we expose the challenges and risks that result from working with this data, and we discuss how actuaries may collect, organize, and analyze driving behaviors for use in insurance applications. Method: In this paper, we use historical context to identify objectives, challenges, and risks in working with driving behavior data. We identify key tenets of the infrastructure required to support data collection, with a focus on vehicle telematics. We look at sample driving behavior data and how it may be organized into databases for predictive modeling and classification. We conclude with a discussion of sample use cases for the data. Results: Driving behavior data allows insurers to achieve unique goals in pricing, underwriting, and loss control or mitigation, but it also presents unique challenges and risks. Conclusions: Sound data management allows insurers to use driving behavior data to achieve organizational goals while rising to the challenges and risks this data presents.