{"id":21151,"date":"2024-09-30T14:22:28","date_gmt":"2024-09-30T19:22:28","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-bao-hiem-o-to-tu-xa-dan-den-bao-lanh-phat-hanh-tot-hon-va-lai-xe-an-toan-hon\/"},"modified":"2024-10-29T09:11:50","modified_gmt":"2024-10-29T14:11:50","slug":"lam-the-nao-bao-hiem-o-to-tu-xa-dan-den-bao-lanh-phat-hanh-tot-hon-va-lai-xe-an-toan-hon","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-bao-hiem-o-to-tu-xa-dan-den-bao-lanh-phat-hanh-tot-hon-va-lai-xe-an-toan-hon\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1eeb xa d\u1eabn \u0111\u1ebfn b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ed1t h\u01a1n v\u00e0 l\u00e1i xe an to\u00e0n h\u01a1n"},"content":{"rendered":"\n<p>N\u0103m 1996, Progressive \u0111\u00e3 n\u1ed9p \u0111\u01a1n xin <a href=\"https:\/\/patents.google.com\/patent\/US5797134A\/en\" target=\"_blank\" rel=\"noreferrer noopener\">c\u1ea5p b\u1eb1ng s\u00e1ng ch\u1ebf<\/a> v\u1ec1 &#8220;h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t xe c\u01a1 gi\u1edbi \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh chi ph\u00ed b\u1ea3o hi\u1ec3m&#8221;. Thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong b\u1eb1ng s\u00e1ng ch\u1ebf \u0111\u00e3 tr\u1edf th\u00e0nh n\u1ec1n t\u1ea3ng c\u1ee7a to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng \u0111o t\u1eeb xa \u0111\u00e3 c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ngh\u0129 v\u1ec1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.<\/p>\n\n<p>Ng\u00e0y nay, c\u00e1c c\u00f4ng c\u1ee5 \u0111o t\u1eeb xa \u0111\u00e3 tr\u1edf n\u00ean d\u1ec5 s\u1eed d\u1ee5ng v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n, m\u1edf ra c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.iamagazine.com\/markets\/read\/2018\/12\/17\/the-changing-face-of-auto-insurance-telematics-and-ubi\" target=\"_blank\" rel=\"noreferrer noopener\">Matt Masiello<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Li\u00ean minh C\u01a1 quan B\u1ea3o hi\u1ec3m Chi\u1ebfn l\u01b0\u1ee3c (SIAA) v\u00e0 SAN Group cho bi\u1ebft. H\u1ed3 s\u01a1 c\u00f4ng khai ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 \u0111o t\u1eeb xa c\u0169ng l\u00e0m t\u0103ng nhu c\u1ea7u s\u1eed d\u1ee5ng ch\u00fang t\u1eeb kh\u00e1ch h\u00e0ng, nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m xem x\u00e9t d\u1eef li\u1ec7u v\u00e0 h\u00e0nh vi c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd khi t\u00ednh to\u00e1n t\u1ef7 l\u1ec7.<\/p>\n\n<p>Trong th\u1eadp k\u1ef7 t\u1edbi, nh\u1eefng ti\u1ebfn b\u1ed9 trong b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1eeb xa s\u1ebd ti\u1ebfp t\u1ee5c chuy\u1ec3n \u0111\u1ed5i ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n l\u00fd \u0111\u1ed9i xe, ngay c\u1ea3 khi <a href=\"http:\/\/blog.boltinc.com\/insurance-distribution-solution-blog\/self-driving-cars?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.5.1725004584243&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n t\u1ef1 tr\u1ecb<\/a> thay th\u1ebf nh\u1eefng ph\u01b0\u01a1ng ti\u1ec7n do con ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n.<\/p>\n\n<h2 class=\"wp-block-heading\">D\u1ecbch v\u1ee5 v\u00e0 gi\u00e1 c\u1ea3 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a<\/h2>\n\n<p>Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng y\u00eau c\u1ea7u d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, bao g\u1ed3m c\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a.\nH\u1ecd mu\u1ed1n c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd nh\u1eadn ra h\u1ecd, d\u1ef1 \u0111o\u00e1n nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ecd v\u00e0 \u0111i\u1ec1u ch\u1ec9nh gi\u00e1 c\u1ea3 v\u00e0 b\u1ea3o hi\u1ec3m cho c\u00e1c h\u00e0nh vi c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd. <\/p>\n\n<h3 class=\"wp-block-heading\">S\u1ef1 gia t\u0103ng c\u1ee7a b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean s\u1eed d\u1ee5ng<\/h3>\n\n<p>Telemetrics h\u1ed7 tr\u1ee3 vi\u1ec7c \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean s\u1eed d\u1ee5ng (UBI), s\u1eed d\u1ee5ng d\u1eef li\u1ec7u l\u00e1i xe c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 \u0111\u1eb7t ph\u00ed b\u1ea3o hi\u1ec3m. <a href=\"https:\/\/www.insurancebusinessmag.com\/uk\/opinion\/how-telematics-is-transforming-the-car-insurance-landscape-119099.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Mohsen Mohseninia<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng c\u1ee7a Aeris, c\u00f3 m\u1ed9t b\u00e0i vi\u1ebft xu\u1ea5t s\u1eafc tr\u00ean T\u1ea1p ch\u00ed Kinh doanh B\u1ea3o hi\u1ec3m v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n\n<p>C\u00e1c t\u00e0i x\u1ebf th\u00edch UBI v\u00ec n\u00f3 h\u1ee9a h\u1eb9n s\u1ebd gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd b\u1eb1ng c\u00e1ch ph\u1ea3n \u00e1nh th\u00f3i quen l\u00e1i xe t\u1ed1t.\n\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, &#8220;vi\u1ec7c t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111o t\u1eeb xa chuy\u00ean s\u00e2u cho ph\u00e9p c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m \u0111\u00e1nh gi\u00e1 h\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c ch\u00ednh s\u00e1ch UBI t\u00f9y ch\u1ec9nh d\u1ef1a tr\u00ean nh\u1eefng hi\u1ec3u bi\u1ebft d\u1eef li\u1ec7u kh\u00e1c nhau&#8221;, Mohseninia vi\u1ebft. <\/p>\n\n<p><a href=\"https:\/\/www.naic.org\/cipr_topics\/topic_usage_based_insurance.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Hi\u1ec7p h\u1ed9i \u1ee6y vi\u00ean B\u1ea3o hi\u1ec3m Qu\u1ed1c gia<\/a> (NAIC) l\u01b0u \u00fd c\u00e1ch d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c thu th\u1eadp trong m\u1ed9t v\u1ee5 tai n\u1ea1n c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 chi ph\u00ed v\u00e0 ph\u00e1t hi\u1ec7n r\u1ee7i ro gian l\u1eadn.<\/p>\n\n<h3 class=\"wp-block-heading\">\u0110o t\u1eeb xa d\u1eabn \u0111\u1ebfn c\u1ea3i thi\u1ec7n \u0111\u1ed9 an to\u00e0n<\/h3>\n\n<p>M\u1ed9t trong nh\u1eefng \u0111i\u1ec3m b\u00e1n h\u00e0ng l\u1edbn nh\u1ea5t cho telemetrics trong v\u00e0i th\u1eadp k\u1ef7 qua l\u00e0 an to\u00e0n.\nTh\u00f4ng tin thu th\u1eadp \u0111\u01b0\u1ee3c c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi l\u00e1i xe nh\u1eadn ra khi h\u1ecd ch\u1ea5p nh\u1eadn r\u1ee7i ro kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 ch\u1ec9 ri\u00eang s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a thi\u1ebft b\u1ecb \u0111\u00e3 khi\u1ebfn m\u1ed9t s\u1ed1 t\u00e0i x\u1ebf ch\u00fa \u00fd h\u01a1n \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd sau tay l\u00e1i. <\/p>\n\n<p>L\u1ee3i \u00edch an to\u00e0n c\u1ee7a ph\u00e9p \u0111o t\u1eeb xa kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 l\u00fd thuy\u1ebft.\nM\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a LexisNexis Risk Solutions v\u1ec1 c\u00e1c t\u00e0i x\u1ebf \u1edf Anh cho th\u1ea5y c\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u00e3 gi\u00fap gi\u1ea3m tai n\u1ea1n \u1edf nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe t\u1eeb 17 \u0111\u1ebfn 19 tu\u1ed5i xu\u1ed1ng 35,3% k\u1ec3 t\u1eeb n\u0103m 2011, <a href=\"http:\/\/blogs.lexisnexis.com\/insurance-insights\/2018\/11\/market-evolution-of-motor-telematics-is-key-to-saving-lives-on-the-road\/\" target=\"_blank\" rel=\"noreferrer noopener\">Graham Gordon<\/a>, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 vi\u1ec5n th\u00f4ng t\u1ea1i LexisNexis Risk Solutions cho bi\u1ebft. <\/p>\n\n<p>Trong s\u1ed1 t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i x\u1ebf, \u0111\u1ec3 so s\u00e1nh, c\u00f3 m\u1ee9c gi\u1ea3m 16,2%.\nS\u1ef1 kh\u00e1c bi\u1ec7t?\nT\u00e1m m\u01b0\u01a1i ph\u1ea7n tr\u0103m tr\u00ecnh \u0111i\u1ec1u khi\u1ec3n tu\u1ed5i teen c\u00f3 thi\u1ebft b\u1ecb \u0111o t\u1eeb xa.\nV\u00e0 khi vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb \u0111\u00e3 t\u0103ng l\u00ean cho c\u00e1c t\u00e0i x\u1ebf m\u1edbi, s\u1ed1 ca t\u1eed vong li\u00ean quan \u0111\u1ebfn giao th\u00f4ng \u0111\u00e3 gi\u1ea3m, n\u0103m n\u00e0y qua n\u0103m kh\u00e1c.   <\/p>\n\n<p>\u0110o t\u1eeb xa d\u1ef1a tr\u00ean \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u0169ng c\u00f3 th\u1ec3 nh\u1eafm m\u1ee5c ti\u00eau c\u00e1c h\u00e0nh vi r\u1ee7i ro nh\u01b0 l\u00e1i xe m\u1ea5t t\u1eadp trung, <a href=\"http:\/\/iireporter.com\/the-insurance-industrys-chance-to-address-distracted-driving\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sam Madden<\/a> t\u1ea1i Insurance Innovation Reporter vi\u1ebft. Ngo\u00e0i vi\u1ec7c thu th\u1eadp d\u1eef li\u1ec7u \u0111\u1ec3 s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m, nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y c\u0169ng c\u00f3 th\u1ec3 cung c\u1ea5p ph\u1ea3n h\u1ed3i t\u1ee9c th\u00ec cho ng\u01b0\u1eddi l\u00e1i xe v\u1ec1 th\u00f3i quen c\u1ee7a ch\u00ednh h\u1ecd, gi\u00fap h\u1ecd th\u1ef1c h\u00e0nh l\u00e1i xe an to\u00e0n h\u01a1n v\u00e0 ng\u0103n ng\u1eeba tai n\u1ea1n.<\/p>\n\n<p>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 Telemetrics \u0111\u1ea1i di\u1ec7n cho m\u1ed9t c\u00e1ch m\u00e0 c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i c\u00f3 th\u1ec3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m trong th\u1eddi \u0111\u1ea1i mua b\u1ea3o hi\u1ec3m gi\u1ea3m.\n&#8220;D\u1eef li\u1ec7u thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111o l\u01b0\u1eddng t\u1eeb xa v\u1edbi c\u00e1c kh\u1ea3 n\u0103ng m\u1edbi m\u1ea1nh m\u1ebd \u0111\u1ec3 \u0111\u1ecbnh gi\u00e1 ch\u00ednh s\u00e1ch c\u1ee7a h\u1ecd v\u00e0 th\u00f4ng b\u00e1o s\u1ef1 hi\u1ec3u bi\u1ebft c\u1ee7a h\u1ecd v\u1ec1 r\u1ee7i ro&#8221; b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng h\u00e0nh vi l\u00e1i xe c\u00e1 nh\u00e2n, thay v\u00ec tu\u1ed5i t\u00e1c ho\u1eb7c v\u1ecb tr\u00ed, l\u00e0m c\u01a1 s\u1edf cho ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 t\u1ef7 l\u1ec7, <a href=\"https:\/\/www.thefloow.com\/news\/driving-change-telematics-actuary-the-floow.html\" target=\"_blank\" rel=\"noreferrer noopener\">Andy Goldby<\/a>, gi\u00e1m \u0111\u1ed1c s\u1ea3n ph\u1ea9m t\u1ea1i The Floow n\u00f3i. <\/p>\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 Telemetrics<\/h3>\n\n<p>M\u1eb7c d\u00f9 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111o t\u1eeb xa h\u1ee9a h\u1eb9n s\u1ebd tinh ch\u1ec9nh \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m, vi\u1ec7c tri\u1ec3n khai c\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u1eb7t ra th\u00e1ch th\u1ee9c cho c\u00e1c nh\u00e0 m\u1ea1ng.<\/p>\n\n<p>V\u00ed d\u1ee5, ch\u1ec9 c\u00f3 d\u1eef li\u1ec7u t\u00e0i x\u1ebf kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng n\u00f3 \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau kinh doanh c\u1ee7a h\u1ecd.\n\u0110\u1ec3 s\u1eed d\u1ee5ng telemetrics th\u00e0nh c\u00f4ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t c\u1ea9n th\u1eadn c\u00e1ch k\u1ebft h\u1ee3p c\u00e1c thi\u1ebft b\u1ecb v\u00e0o nhu c\u1ea7u hi\u1ec7n t\u1ea1i v\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m c\u1ee7a ri\u00eang h\u1ecd, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2014\/05\/19\/329538.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jim Weiss<\/a>, m\u1ed9t chuy\u00ean gia t\u00ednh to\u00e1n t\u1ea1i ISO cho bi\u1ebft. <\/p>\n\n<p>Quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u th\u00eam m\u1ed9t l\u1edbp th\u00e1ch th\u1ee9c kh\u00e1c \u0111\u1ed1i v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng t\u1eeb xa.\n&#8220;Tr\u01b0\u1edbc khi gi\u1edbi thi\u1ec7u c\u00e1c d\u1ecbch v\u1ee5 d\u1ef1a tr\u00ean v\u1ecb tr\u00ed, c\u00e1c c\u00f4ng ty kh\u00f4ng th\u1ec3 quan s\u00e1t h\u00e0nh \u0111\u1ed9ng v\u00e0 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1edbi chi ti\u1ebft nh\u01b0 v\u1eady&#8221;, <a href=\"https:\/\/phys.org\/news\/2019-02-effectiveness-real-time-drivers-companies.html\" target=\"_blank\" rel=\"noreferrer noopener\">Charles Weinberg<\/a>, \u0111\u1ed3ng t\u00e1c gi\u1ea3 c\u1ee7a m\u1ed9t nghi\u00ean c\u1ee9u v\u1ec1 d\u1eef li\u1ec7u \u0111o t\u1eeb xa \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 trong \u1ea5n b\u1ea3n th\u00e1ng 1 n\u0103m 2019 c\u1ee7a Khoa h\u1ecdc Ti\u1ebfp th\u1ecb cho bi\u1ebft. <\/p>\n\n<p>M\u1eb7c d\u00f9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 ch\u00ednh s\u00e1ch b\u1ea3o m\u1eadt, c\u00e1c ch\u00ednh s\u00e1ch n\u00e0y c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ee9c \u0111\u1ed9 chi ti\u1ebft m\u00e0 telemetrics cung c\u1ea5p.\nC\u00e1c ch\u00ednh s\u00e1ch m\u1edbi c\u00e2n b\u1eb1ng m\u1ed1i quan t\u00e2m v\u1ec1 quy\u1ec1n ri\u00eang t\u01b0 c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe v\u1edbi mong mu\u1ed1n b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p h\u01a1n s\u1ebd c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 \u00e1p d\u1ee5ng c\u1ea9n th\u1eadn tr\u01b0\u1edbc khi telemetrics c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ti\u1ec1m n\u0103ng c\u1ee7a n\u00f3 trong b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, Weinberg n\u00f3i. <\/p>\n\n<p>M\u1ed9t c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 c\u00e1c th\u00e1ch th\u1ee9c kh\u00e1c l\u00e0 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty \u0111o l\u01b0\u1eddng t\u1eeb xa \u0111\u00e3 suy ngh\u0129 \u0111\u00e1ng k\u1ec3 v\u1ec1 c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 hi\u1ec7u qu\u1ea3, hi\u1ec7u qu\u1ea3 v\u00e0 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u, <a href=\"https:\/\/www.aitegroup.com\/telematics-commercial-vehicle-insurance-vendor-overview\" target=\"_blank\" rel=\"noreferrer noopener\">Greg Donaldson<\/a>, nh\u00e0 ph\u00e2n t\u00edch cao c\u1ea5p t\u1ea1i Aite Group cho bi\u1ebft. S\u1ef1 h\u1ee3p t\u00e1c n\u00e0y c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1eadp nh\u1eadt c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd nhanh h\u01a1n \u0111\u1ed3ng th\u1eddi ch\u1ee9ng minh vi\u1ec7c s\u1eed d\u1ee5ng t\u1eeb xa v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c trong t\u01b0\u01a1ng lai.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/trucks-at-warehouse-1024x683.jpg\" alt=\"\" class=\"wp-image-6007\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/trucks-at-warehouse-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/trucks-at-warehouse-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/trucks-at-warehouse-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/trucks-at-warehouse.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Qu\u1ea3n l\u00fd \u0111\u1ed9i t\u00e0u v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/h2>\n\n<p>Telemetrics c\u0169ng cung c\u1ea5p m\u1ed9t s\u1ed1 l\u1ee3i th\u1ebf cho vi\u1ec7c qu\u1ea3n l\u00fd \u0111\u1ed9i t\u00e0u th\u01b0\u01a1ng m\u1ea1i.\nV\u00ed d\u1ee5, nh\u1eefng c\u00f4ng c\u1ee5 n\u00e0y c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty theo d\u00f5i v\u00e0 ph\u00e2n t\u00edch t\u1ed1t h\u01a1n m\u1ee9c ti\u00eau th\u1ee5 nhi\u00ean li\u1ec7u, tuy\u1ebfn \u0111\u01b0\u1eddng, b\u1ea3o tr\u00ec, tu\u00e2n th\u1ee7 v\u00e0 th\u00f3i quen an to\u00e0n c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe, <a href=\"https:\/\/igniteoutsourcing.com\/automotive\/telematics-and-connected-car\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lyudmyla Novosilska<\/a> t\u1ea1i Ignite cho bi\u1ebft. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c \u0111\u1ed9i xe th\u01b0\u01a1ng m\u1ea1i, d\u1eef li\u1ec7u v\u1ec1 h\u00e0nh vi l\u00e1i xe c\u00e1 nh\u00e2n ch\u1ec9 l\u00e0 m\u1ed9t kh\u00eda c\u1ea1nh \u0111\u1ea7y h\u1ee9a h\u1eb9n c\u1ee7a \u0111o t\u1eeb xa.\nM\u1ed9t kh\u1ea3 n\u0103ng kh\u00e1c l\u00e0 kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd b\u1ea3o tr\u00ec \u0111\u1ed9i xe v\u1edbi c\u00e1i nh\u00ecn c\u1eadp nh\u1eadt th\u01b0\u1eddng xuy\u00ean, t\u1eebng ph\u00fat v\u1ec1 c\u00e1ch chi\u1ebfc xe ho\u1ea1t \u0111\u1ed9ng. <\/p>\n\n<p>V\u00ed d\u1ee5: \u0111o t\u1eeb xa c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 thu th\u1eadp d\u1eef li\u1ec7u t\u1eeb c\u00e1c c\u1ea3m bi\u1ebfn c\u1ee7a xe v\u00e0 g\u1eedi \u0111\u1ebfn ng\u01b0\u1eddi qu\u1ea3n l\u00fd \u0111\u1ed9i xe th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 ph\u00e2n t\u00edch v\u00e0 tr\u1ef1c quan h\u00f3a.\nNg\u01b0\u1eddi qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 xem d\u1eef li\u1ec7u v\u1ec1 c\u00e1ch m\u1ed7i b\u1ed9 ph\u1eadn c\u1ee7a xe ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u01b0\u1edbc khi ch\u00fang g\u00e2y ra s\u1ef1 c\u1ed1 ho\u1eb7c tai n\u1ea1n. <\/p>\n\n<p>C\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 \u0111\u00e3 thu th\u1eadp d\u1eef li\u1ec7u n\u00e0y v\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd s\u1eed d\u1ee5ng n\u00f3 \u0111\u1ec3 ch\u1ea9n \u0111o\u00e1n c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1edbi xe v\u00e0 gi\u1ea3i quy\u1ebft ch\u00fang, <a href=\"https:\/\/wtop.com\/business-finance\/2018\/10\/what-your-car-knows-about-you-and-who-it-is-telling\/\" target=\"_blank\" rel=\"noreferrer noopener\">Behzad Rassuli<\/a> t\u1ea1i Hi\u1ec7p h\u1ed9i Ch\u0103m s\u00f3c \u00d4 t\u00f4 cho bi\u1ebft. \u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, th\u1ef1c t\u1ebf n\u00e0y t\u1ea1o c\u01a1 h\u1ed9i s\u1eed d\u1ee5ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng hi\u1ec7n c\u00f3 \u0111\u1ec3 b\u1ea3o l\u00e3nh t\u1ed1t h\u01a1n c\u00e1c ch\u00ednh s\u00e1ch th\u01b0\u01a1ng m\u1ea1i v\u00e0 gi\u00fap c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd \u0111\u1ed9i t\u00e0u c\u1ea3i thi\u1ec7n an to\u00e0n.<\/p>\n\n<h2 class=\"wp-block-heading\">Qu\u1ea3n l\u00fd \u0111\u1ed9i xe \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n c\u00f3 th\u1ec3 l\u00e0m cho m\u00f4i tr\u01b0\u1eddng l\u00e1i xe an to\u00e0n h\u01a1n kh\u00f4ng?<\/h2>\n\n<p>Telemetrics c\u0169ng c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 m\u1ea1nh m\u1ebd trong qu\u1ea3n l\u00fd \u0111\u1ed9i xe khi n\u00f3i \u0111\u1ebfn vi\u1ec7c c\u1ea3i thi\u1ec7n qu\u1ea3n l\u00fd v\u00e0 an to\u00e0n \u0111\u01b0\u1eddng ph\u1ed1, <a href=\"https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2018\/04\/26\/how-telematics-is-enabling-the-future-of-transportation-and-so-much-more\/#3565fdf9add4\" target=\"_blank\" rel=\"noreferrer noopener\">Neil Cawse<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi s\u00e1ng l\u1eadp c\u00f4ng ty vi\u1ec5n th\u00f4ng Geotab cho bi\u1ebft.<\/p>\n\n<p>V\u00ed d\u1ee5, D\u1ecbch v\u1ee5 B\u01b0u ch\u00ednh Hoa K\u1ef3 \u0111ang xem x\u00e9t m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh trong \u0111\u00f3 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n b\u01b0u ch\u00ednh c\u1ee7a h\u1ecd chia s\u1ebb d\u1eef li\u1ec7u t\u1eeb xa v\u1edbi c\u00e1c khu v\u1ef1c m\u00e0 h\u1ecd ph\u1ee5c v\u1ee5.\nTh\u00f4ng tin n\u00e0y s\u1ebd cho ph\u00e9p c\u00e1c th\u00e0nh ph\u1ed1 c\u00f3 \u0111\u01b0\u1ee3c c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng h\u01a1n v\u1ec1 \u0111\u01b0\u1eddng ph\u1ed1 n\u00e0o c\u1ea7n s\u1eeda ch\u1eefa, ho\u1eb7c giao l\u1ed9 n\u00e0o c\u1ea7n bi\u1ec3n b\u00e1o ho\u1eb7c \u0111\u00e8n t\u1ed1t h\u01a1n, Cawse n\u00f3i. <\/p>\n\n<p>Khi c\u00e1c th\u00e0nh ph\u1ed1 n\u00e0y l\u00e0m cho vi\u1ec7c b\u1ea3o tr\u00ec \u0111\u01b0\u1eddng b\u1ed9 hi\u1ec7u qu\u1ea3 h\u01a1n, c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean thi\u1ec7t h\u1ea1i do \u1ed5 g\u00e0 ho\u1eb7c bi\u1ec3n b\u00e1o kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 t\u1ea1i c\u00e1c giao l\u1ed9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn s\u1ebd gi\u1ea3m.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/women-driving-1024x683.jpg\" alt=\"\" class=\"wp-image-5997\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">Xe t\u1ef1 h\u00e0nh: M\u1ed9t th\u1ebf gi\u1edbi m\u1edbi cho Telemetrics<\/h2>\n\n<p>C\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i, bao g\u1ed3m c\u1ea3 ph\u01b0\u01a1ng ti\u1ec7n \u0111o t\u1eeb xa v\u00e0 xe t\u1ef1 l\u00e1i, ti\u1ebfp t\u1ee5c thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe.\nM\u1ed9t nghi\u00ean c\u1ee9u, \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn b\u1edfi <a href=\"https:\/\/www.repairerdrivennews.com\/2018\/09\/13\/verisk-connected-hyundai-customers-opting-in-for-driving-based-premium-discounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">John Huetter<\/a> trong Repairer Driven News, cho th\u1ea5y 46% t\u00e0i x\u1ebf r\u1ea5t quan t\u00e2m \u0111\u1ebfn vi\u1ec7c nh\u1eadn gi\u1ea3m gi\u00e1 d\u1ef1a tr\u00ean vi\u1ec7c l\u00e1i xe c\u1ee7a h\u1ecd t\u1eeb c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u00f3 h\u1ec7 th\u1ed1ng \u0111o t\u1eeb xa t\u00edch h\u1ee3p. <\/p>\n\n<p>V\u00ec ph\u1ea7n l\u1edbn c\u00e1c cu\u1ed9c tr\u00f2 chuy\u1ec7n xung quanh telemetrics \u0111\u00e3 t\u1eadp trung v\u00e0o vi\u1ec7c theo d\u00f5i h\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe, n\u00f3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t cu\u1ed9c tr\u00f2 chuy\u1ec7n ri\u00eang bi\u1ec7t v\u1edbi cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n t\u1ef1 tr\u1ecb.\nTuy nhi\u00ean, \u0111o t\u1eeb xa v\u00e0 xe t\u1ef1 l\u00e1i c\u00f3 th\u1ec3 l\u00e0 hai c\u00f4ng ngh\u1ec7 ho\u1ea1t \u0111\u1ed9ng song song. <\/p>\n\n<p>&#8220;Khi c\u00e1c c\u00f4ng ty ch\u1ea1y \u0111ua h\u01b0\u1edbng t\u1edbi c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n ho\u00e0n to\u00e0n t\u1ef1 l\u00e1i, x\u1eed l\u00fd d\u1eef li\u1ec7u, ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 \u0111o t\u1eeb xa s\u1ebd t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa chi\u1ebfn th\u1eafng v\u00e0 th\u1ea5t b\u1ea1i&#8221;, <a href=\"https:\/\/www.techradar.com\/news\/ai-5g-and-the-race-to-completely-autonomous-vehicles\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Gadd<\/a>, c\u1ef1u gi\u00e1m \u0111\u1ed1c c\u1ea5p cao c\u1ee7a li\u00ean minh chi\u1ebfn l\u01b0\u1ee3c EMEA cho EMC n\u00f3i.<\/p>\n\n<p>V\u00ec c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n t\u1ef1 tr\u1ecb t\u1ea1o ra r\u1ea5t nhi\u1ec1u d\u1eef li\u1ec7u nh\u01b0 m\u1ed9t ph\u1ea7n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00fang, m\u1ed9t h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd trung t\u00e2m \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u s\u1ebd tr\u1edf n\u00ean c\u1ea7n thi\u1ebft cho c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c b\u00ean kh\u00e1c c\u00f3 c\u1ed5 ph\u1ea7n trong ho\u1ea1t \u0111\u1ed9ng an to\u00e0n c\u1ee7a xe, Gadd n\u00f3i.\nM\u1ed9t h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd trung t\u00e2m cho ph\u00e9p x\u1eed l\u00fd d\u1eef li\u1ec7u nhanh h\u01a1n, c\u00f3 th\u1ec3 gi\u00fap c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u1ee9ng ph\u00f3 v\u1edbi r\u1ee7i ro nhanh h\u01a1n v\u00e0 gi\u1ea3m tai n\u1ea1n. <\/p>\n\n<p>Khi c\u00e1c ph\u00e9p \u0111o t\u1eeb xa b\u1eaft \u0111\u1ea7u h\u1ee3p nh\u1ea5t v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 t\u1eadp trung v\u00e0o d\u1eef li\u1ec7u kh\u00e1c \u0111\u1ec3 thay \u0111\u1ed5i ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00f4 t\u00f4, ng\u00e0nh b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng ch\u00e2n tr\u1eddi m\u1edbi.\n&#8220;Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00e1 nh\u00e2n \u0111ang tr\u1ea3i qua m\u1ed9t lo\u1ea1t th\u00e1ch th\u1ee9c m\u1edf r\u1ed9ng &#8211; bao g\u1ed3m h\u1ee3p nh\u1ea5t, ph\u00e1t tri\u1ec3n c\u1ea5u tr\u00fac ph\u00e2n ph\u1ed1i v\u00e0 h\u00e0ng h\u00f3a h\u00f3a s\u1ea3n ph\u1ea9m &#8211; c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh l\u1ea1i ho\u1ea1t \u0111\u1ed9ng kinh doanh theo th\u1eddi gian&#8221;, <a href=\"https:\/\/www.carriermanagement.com\/news\/2018\/09\/16\/184225.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Alan Dobbins<\/a>, gi\u00e1m \u0111\u1ed1c nghi\u00ean c\u1ee9u b\u1ea3o hi\u1ec3m t\u1ea1i Conning cho bi\u1ebft. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 Telemetrics gi\u00fap \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u00e1 nh\u00e2n h\u00f3a, ki\u1ec3m so\u00e1t r\u1ee7i ro v\u00e0 c\u1ea3i thi\u1ec7n \u0111\u1ed9 an to\u00e0n c\u1ee7a kh\u00e1ch h\u00e0ng.\nB\u1eb1ng c\u00e1ch \u0111\u00f3, c\u00f4ng ngh\u1ec7 n\u00e0y cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a, kh\u00f4ng ph\u1ea3i ch\u1ecbu s\u1ef1 thay \u0111\u1ed5i c\u1ee7a ng\u00e0nh c\u00f4ng nghi\u1ec7p \u00f4 t\u00f4. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: cheskyw\/\u00a9123RF.com, alphaspirit \u00a9\/123RF.com, scanrail\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u0103m 1996, Progressive \u0111\u00e3 n\u1ed9p \u0111\u01a1n xin c\u1ea5p b\u1eb1ng s\u00e1ng ch\u1ebf v\u1ec1 &#8220;h\u1ec7 th\u1ed1ng gi\u00e1m s\u00e1t xe c\u01a1 gi\u1edbi \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh chi ph\u00ed b\u1ea3o hi\u1ec3m&#8221;. Thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong b\u1eb1ng s\u00e1ng ch\u1ebf \u0111\u00e3 tr\u1edf th\u00e0nh n\u1ec1n t\u1ea3ng c\u1ee7a to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng \u0111o t\u1eeb xa \u0111\u00e3 c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch c\u00e1c c\u00f4ng [&hellip;]<\/p>\n","protected":false},"featured_media":6026,"template":"","insight-category":[],"class_list":["post-21151","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21151","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/6026"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21151"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}