Research On Evaluation Model Of UBI Vehicle Insurance Fee Based On OBD?

With the deep development of vehicle networking technology,automobile industry and insurance industry are undergoing rapid and tremendous changes.The combination of "OBD + vehicle Internet + vehicle insurance " brings a new theory of vehicle insurance pricing model which is the UBI(Use-Based Insurance,vehicle insurance based on use)vehicle insurance.In this context,a new model of UBI vehicle insurance rate evaluation from "Man + Vehicle" factor is proposed in this paper,aiming at the shortcomings of the traditional car insurance model which has always been the biggest pricing factor of car insurance.The model calculates the risk score of the driver's traffic accident according to the driving behavior habit and the vehicle usage situation,and adjusts the vehicle insurance premium to be paid by the vehicle owner on the basis of the scoring situation dynamically.This model has important research value and practical significance.The main contents of this paper are as follows:First,using the embedded technology designed and developed a vehicle data acquisition and transmission terminal system based on OBD? interface,which is responsible for providing data sources for the establishment of the UBI vehicle insurance rate model.The system takes the STM32F103C8T6 main chip as the core and realizes the collection of OBD? interface data and location of vehicle driving area through EST527-miniS module and Beidou GPS module.Then,on the basis of having obtained the data information of the vehicles and driving behavior,the main factors affecting traffic accidents are studied firstly by using the multi factor grey correlation analysis method,and the influence of driver behavior factors on traffic accidents is the most obvious.Next,using the data that is collected by the OBD? data acquisition terminal system studied the identification algorithm of driving behavior such as quick acceleration,rapid deceleration and abrupt brake,over-speed behavior and turning behavior.Finally,based on the identification and analysis of driving behavior,in view of the lack of a standard method to quantify the description of driver behavior,a research algorithm of Logistic-AHP's subjective and objective integration empowerment is proposed in this paper.This method is used to calculate the weight of factors of driver's driving time,mileage,driving behavior performance,speeding condition and so on,then according to the distribution of the weight score of driving behavior,got the driving behavior scoring mechanism,and then built the UBI vehicle insurance premium rate evaluation model,and realized the premium's dynamical adjustment of vehicle insurance.