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Can automobile insurance telematics predict the risk of near-miss events?

 
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<title>Can automobile insurance telematics predict the risk of near-miss events?</title>
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<namePart>Guillén, Montserrat</namePart>
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<namePart>Nielsen, Jens P.</namePart>
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<namePart>Perez-Martín, Ana M. </namePart>
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<namePart>Elpidorou, Valandis</namePart>
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<abstract displayLabel="Summary">Telematics data from usage-based motor insurance provide valuable information - including vehicle usage, attitude toward speeding, and time and proportion of urban/nonurban driving, which can be used for ratemaking. Additional information on acceleration, braking, and cornering can likewise be usefully employed to identify near-miss events, a concept taken from aviation that denotes a situation that might have resulted in an accident. We analyze near-miss events from a sample of drivers in order to identify the risk factors associated with a higher risk of near-miss occurrence. Our empirical application with a pilot sample of real usage-based insurance data reveals that certain factors are associated with a higher expected number of near-miss events, but that the association differs depending on the type of near miss. We conclude that nighttime driving is associated with a lower risk of cornering events, urban driving increases the risk of braking events, and speeding is associated with acceleration events. These results are relevant for the insurance industry in order to implement dynamic risk monitoring through telematics, as well as preventive actions.</abstract>
<note type="statement of responsibility">Montserrat Guillen...[Et al.]</note>
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<topic>Seguro de automóviles</topic>
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<topic>Riesgos emergentes</topic>
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<topic>Mercado de seguros</topic>
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<topic>Conducción automovilística</topic>
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<topic>Análisis de riesgos</topic>
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<topic>Comportamiento humano</topic>
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<topic>Análisis predictivos</topic>
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<title>North American actuarial journal</title>
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<publisher>Schaumburg : Society of Actuaries, 1997-</publisher>
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<identifier type="issn">1092-0277</identifier>
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<text>02/03/2020 Tomo 24 Número 1 - 2020 , p. 141-152</text>
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