학술논문
Ratemaking Model of Usage Based Insurance Based on Driving Behaviors Classification
Document Type
article
Author
Source
International Journal of Crowd Science, Vol 6, Iss 2, Pp 98-109 (2022)
Subject
Language
English
ISSN
2398-7294
Abstract
Based on the present situation of usage based insurance (UBI) research and application, this paper puts forward the UBI rating model based on driving behavior classification, and applies the technology of data mining to the evaluation of driving behavior. The actual driving behavior data and the risk data of 400 drivers are used as experimental data. Finally, an example shows that the driving behavior classification model is superior to the driving behavior score model for the identification of accident risk, which can make UBI rate more scientific and reasonable.