Insurance Telematics: Opportunities and Challenges with the Smartphone Solution

  title={Insurance Telematics: Opportunities and Challenges with the Smartphone Solution},
  author={P. Handel and Isaac Skog and Johan Wahlstrom and Farid Bonawiede and Richard Welch and Jens Ohlsson and Martin Ohlsson},
  journal={IEEE Intelligent Transportation Systems Magazine},
Smartphone-based insurance telematics or usage based insurance is a disruptive technology which relies on insurance premiums that reflect the risk profile of the driver; measured via smartphones with appropriate installed software. A survey of smartphone-based insurance telematics is presented, including definitions; Figure-of-Merits (FoMs), describing the behavior of the driver and the characteristics of the trip; and risk profiling of the driver based on different sets of FoMs. The data… CONTINUE READING
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