We present a method to integrate telematics data in a pay-how-you-drive insurance pricing scheme that penalizes some near-miss events. We illustrate our method with a sample of drivers for whom information on near-miss events and claims frequency records are available. We discuss the implications for motor insurance ratemaking. Our pricing principle is to combine a baseline insurance premium with added extra charges for near-miss events indicating risky driving (or discounts) that can be updated on a weekly basis. This procedure provides an incentive for safe driving. In our real-case study illustration, hard-braking and acceleration events as well as smartphone use while driving increase the cost of insurance.

中文翻译：

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汽车保险中的险情远程信息处理

我们提出了一种方法，将远程信息处理数据集成到“如何驾驶”的保险定价方案中，该方案会惩罚一些险些发生的事件。我们通过一个司机样本来说明我们的方法，这些司机可以获得有关险情事件和索赔频率记录的信息。我们讨论了对汽车保险费率制定的影响。我们的定价原则是将基准保险费与指示危险驾驶（或折扣）的险情事件的附加额外费用相结合，可以每周更新。该程序为安全驾驶提供了激励。在我们的真实案例研究说明中，急刹车和加速事件以及在驾驶时使用智能手机会增加保险成本。