期刊
TRANSPORTATION RESEARCH PART A-POLICY AND PRACTICE
卷 107, 期 -, 页码 20-34出版社
PERGAMON-ELSEVIER SCIENCE LTD
DOI: 10.1016/j.tra.2017.10.018
关键词
Usage-based insurance; Driving behavior; Driver risk-level classification; Behavior-centric vehicle insurance pricing
资金
- Humanity and Social Science Youth Foundation of Ministry of Education of China [16YJC630153]
- National Natural Science Foundation of China [71701134, 71681360327, 71471157]
- Natural Science Foundation of Guangdong Province of China [2017A030310427]
Usage-based insurance (UBI) has been attracting more and more attention; however, two open research questions are how behavioral data of drivers affects driving risk and how driver behavior should affect UBI pricing schemas. This paper proposes a driver risk classification model to evaluate the risk level of drivers based on in-car sensor data. A Behavior-centric Vehicle Insurance Pricing model (BVIP) and a vehicle premium calculation prototype are developed in this paper. Based on empirical data, our research results show that BVIP achieves better accuracy in terms of risk-level classification and the prototype achieves good performance in terms of effectiveness and usability.
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