@inproceedings{c024c48e41ac41c9a99b836ef8e94aca,
title = "A USAGE-BASED INSURANCE SYSTEM ACCORDING TO THE CELLULAR-BASED TRAVEL EXPOSURE IN A CRASH LIKELIHOOD MAP",
abstract = "Usage-based insurance (UBI) taking driving distance and behaviour into account raise a lot of attention in recent years. Unlike most UBI systems, this study proposes a novel exposure-based insurance system comprising a crash likelihood map and travel exposure models. The former, the crash likelihood map, is estimated by a joint crash frequency and severity model based on historical accident spot data and is used to determine the degree of risk in traveling a certain roadway by using private vehicles. The latter, the travel exposure, is then estimated by the Hidden Markov model for travel trajectory and machine learning models for mode classification based on user{\textquoteright}s cellular data. To train and validate the proposed cellular-based exposure model, the cellular and travel diary data of 60 volunteers in a whole week were collected. The estimation results for both crash likelihood map and travel exposure models are satisfactory. Additionally, the driving risk of the 60 volunteers are then evaluated by combining the estimated risk map and travel exposure models to show the applicability of the proposed UBI system.",
keywords = "Cellular data, Crash frequency and severity, Map matching, Mode classification, Usage-based insurance",
author = "Chiou, \{Yu Chiun\} and Yeh, \{Chia Jung\}",
note = "Publisher Copyright: Copyright {\textcopyright} 2023 Hong Kong Society for Transportation Studies Limited.; 27th International Conference of Hong Kong Society for Transportation Studies: Transport and Equity, HKSTS 2023 ; Conference date: 11-12-2023 Through 12-12-2023",
year = "2023",
language = "English",
series = "Proceedings of the 27th International Conference of Hong Kong Society for Transportation Studies, HKSTS 2023: Transport and Equity",
publisher = "Hong Kong Society for Transportation Studies Limited",
pages = "576--583",
editor = "Mei-Po Kwan and He, \{Sylvia Y.\} and Y.H. Kuo",
booktitle = "Proceedings of the 27th International Conference of Hong Kong Society for Transportation Studies, HKSTS 2023",
}