A UBI hazardous chemical vehicle driving behavior risk assessment and premium discount method

Abstract

The present invention provides a UBI hazardous chemicals vehicle driving behavior risk assessment and premium discount method, involving vehicle operation safety monitoring and auto insurance risk assessment technology field. The present invention collects vehicle position, vehicle speed, acceleration and vehicle alarm data and driver alarm data based on the vehicle terminal, and generates the first to the fourth data table; the risk monitoring platform stores, extracts and constructs a data summary table of the said data table, and obtains the preprocessed position, vehicle speed and acceleration data through outlier rejection, interpolation complementation and Kalman filtering; identifies, based on the preprocessed data and various kinds of alarm information Based on the preprocessed data and various alarm information, it identifies dangerous behaviors such as off-route driving, speeding, rapid acceleration and deceleration, and frequent lane changing, and forms a new table of behavioral characteristics per 100 km mileage; it adopts a central clustering algorithm to divide drivers into four categories and generates the corresponding premium discount information, realizing the refined evaluation of the driving risk of hazardous chemical transportation vehicles and the dynamic incentive for the insurance premiums.