CONNECTED CAR
CONNECTED CAR
Though few insurers have been able to share data in real-time , the future looks bright for a usage-based model and more organisations are operating pay-per-mile models . Other factors — similar to those measured by telematics — are recorded , including speed , acceleration , sharp braking and cornering , the time of day , and whether the driver uses their phone while driving .
MORE DATA MEANS SHIFTING LIABILITY
First of all , there is an obvious risk to any insurer , which is that a customer could still have an accident or experience natural or unnatural issues , such as theft , fire , and natural disasters . Unfortunately , UBI cannot alleviate this , nor can it foresee whether a car is positioned in the path of a hurricane — or at least , not yet .
“ THERE IS ALREADY TECHNOLOGY IN PLACE THAT TRACKS DRIVING CONDITIONS , DRIVER TRAITS , TRAFFIC , PAYLOADS , CHARGING , AND MAINTAINING SCHEDULES , WHICH PROVIDE THE REAL-WORLD INSIGHTS NECESSARY TO ACCURATELY ASSESS DRIVER PERFORMANCE ”
MAX EVERSFIELD , ENTERPRISE FIELD SOLUTION CONSULTANT SAMSARA
Of course , it ’ d be amazing if these occurrences were actionable , but UBI as a standalone solution cannot predict the future . This is because UBI focuses primarily on the habits of the driver as opposed to external conditions , meaning predictability of the environment is limited .
Here at EV Magazine , we ’ re curious to know how the increased amount of data could affect technical liability between customers and insurers . The scenario being , if a customer makes a claim based on a malfunction related to out of date software , where will liability sit and how will the conclusion be made ?
EVMAGAZINE . COM [ Feb 2023 ] 39