A driving behavior model evaluation for UBI

Purpose This paper aims to provide a driving behavior scoring model to decide the personalized automobile premium for each driver. Design/methodology/approach Driving behavior scoring model. Findings The driving behavior scoring model could effectively reflect the risk level of driver’s safe driving. Originality/value A driving behavior scoring model for UBI.

[1]  Pascal Noel,et al.  Pay-as-You-Drive Auto Insurance , 2010 .

[2]  Jean-Philippe Boucher,et al.  PAY-AS-YOU-DRIVE INSURANCE: THE EFFECT OF THE KILOMETERS ON THE RISK OF ACCIDENT , 2013 .

[3]  William Vickrey,et al.  Automobile Accidents, Tort Law, Externalities, and Insurance: An Economist’s Critique , 1968 .

[4]  S. Husnjak,et al.  Telematics System in Usage Based Motor Insurance , 2015 .

[5]  Dennis McCarthy,et al.  In defence of the 'low-mileage bias'. , 2008, Accident; analysis and prevention.

[6]  A T McCartt,et al.  Factors associated with falling asleep at the wheel among long-distance truck drivers. , 2000, Accident; analysis and prevention.

[7]  Wendy Weijermars,et al.  The relationship between road safety and congestion on motorways : a literature review of potential effects. , 2010 .

[8]  Göran Nilsson,et al.  Traffic Safety Dimensions and the Power Model to Describe the Effect of Speed on Safety , 2004 .

[9]  T. Åkerstedt,et al.  Real driving at night – Predicting lane departures from physiological and subjective sleepiness , 2014, Biological Psychology.

[10]  Mohamed Abdel-Aty,et al.  Split Models for Predicting Multivehicle Crashes during High-Speed and Low-Speed Operating Conditions on Freeways , 2005 .

[11]  Jason E. Bordoff,et al.  Pay-As-You-Drive Auto Insurance: A Simple Way to Reduce Driving-Related Harms and Increase Equity , 2008 .

[12]  T. Litman.  Efficient vehicles versus efficient transportation. Comparing transportation energy conservation strategies , 2005 .

[13]  Kenneth L. Campbell,et al.  Detailed Planning for Research on Making a Significant Improvement in Highway Safety , 2003 .

[14]  H C Joksch,et al.  Velocity change and fatality risk in a crash--a rule of thumb. , 1993, Accident; analysis and prevention.

[15]  Chris Lee,et al.  Analysis of Crash Precursors on Instrumented Freeways , 2002 .

[16]  Jean-Louis Martin,et al.  Relationship between crash rate and hourly traffic flow on interurban motorways. , 2002, Accident; analysis and prevention.

[17]  Rune Elvik,et al.  An evaluation of the Power Model , 2004 .

[18]  Eleni I. Vlahogianni,et al.  Innovative Insurance Schemes: Pay As/how You Drive , 2016 .

[19]  Gary A. Davis,et al.  A Case Control Study of Speed and Crash Risk, Technical Report 3: Speed as a Risk Factor in Run-off Road Crashes , 2006 .

[20]  Kristen Monaco,et al.  Accidents and hours-of-service violations among over-the-road drivers , 2001 .

[21]  Joseph Ferreira,et al.  Measuring per Mile Risk for Pay-As-You-Drive Automobile Insurance , 2012 .

[22]  Thomas A. Dingus,et al.  Comparing Real-World Behaviors of Drivers with High Versus Low Rates of Crashes and Near Crashes , 2009 .

[23]  Randall Guensler,et al.  Relationships between Crash Involvement and Temporal-Spatial Driving Behavior Activity Patterns , 2007 .

[24]  Loren Staplin,et al.  'Low mileage bias' and related policy implications--a cautionary note. , 2008, Accident; analysis and prevention.

[25]  Rune Elvik,et al.  Speed and road accidents : an evaluation of the power model , 2004 .

[27]  Hato Schmeiser,et al.  Empirical Findings on Motor Insurance Pricing in Germany, Austria and Switzerland , 2016 .

[28]  Matthew T. Friedlein,et al.  DENSE FOG CLIMATOLOGY , 2004 .

[29]  C. Farmer.  Relationship of traffic fatality rates to maximum state speed limits , 2017, Traffic injury prevention.

[30]  A. Maclean,et al.  The hazards and prevention of driving while sleepy. , 2003, Sleep medicine reviews.

[31]  Thorsten Staake,et al.  Multivariate exposure modeling of accident risk: Insights from Pay-as-you-drive insurance data , 2014 .

[32]  Neville A Stanton,et al.  Distributed situation awareness , 2016 .

[33]  Nobuhiro Uno,et al.  Latent Class Analysis for Driving Behavior on Merging Section , 2015 .

[34]  Jane C Stutts,et al.  Driver risk factors for sleep-related crashes. , 2003, Accident; analysis and prevention.

[35]  Michael G. Lenné,et al.  Predicting drowsiness-related driving events: a review of recent research methods and future opportunities , 2016 .