{"id":21159,"date":"2024-09-30T14:22:34","date_gmt":"2024-09-30T19:22:34","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e9%81%a5%e6%b5%8b%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%a6%82%e4%bd%95%e5%b8%a6%e6%9d%a5%e6%9b%b4%e5%a5%bd%e7%9a%84%e6%89%bf%e4%bf%9d%e5%92%8c%e6%9b%b4%e5%ae%89%e5%85%a8%e7%9a%84%e9%a9%be%e9%a9%b6\/"},"modified":"2024-10-29T09:12:03","modified_gmt":"2024-10-29T14:12:03","slug":"%e9%81%a5%e6%b5%8b%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%a6%82%e4%bd%95%e5%b8%a6%e6%9d%a5%e6%9b%b4%e5%a5%bd%e7%9a%84%e6%89%bf%e4%bf%9d%e5%92%8c%e6%9b%b4%e5%ae%89%e5%85%a8%e7%9a%84%e9%a9%be%e9%a9%b6","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e9%81%a5%e6%b5%8b%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%a6%82%e4%bd%95%e5%b8%a6%e6%9d%a5%e6%9b%b4%e5%a5%bd%e7%9a%84%e6%89%bf%e4%bf%9d%e5%92%8c%e6%9b%b4%e5%ae%89%e5%85%a8%e7%9a%84%e9%a9%be%e9%a9%b6\/","title":{"rendered":"\u9065\u6d4b\u6c7d\u8f66\u4fdd\u9669\u5982\u4f55\u5e26\u6765\u66f4\u597d\u7684\u627f\u4fdd\u548c\u66f4\u5b89\u5168\u7684\u9a7e\u9a76"},"content":{"rendered":"\n<p>1996 \u5e74\uff0cProgressive \u4e3a\u5176\u201c\u7528\u4e8e\u786e\u5b9a\u4fdd\u9669\u8d39\u7528\u7684\u673a\u52a8\u8f66\u76d1\u63a7\u7cfb\u7edf\u201d\u7533\u8bf7 <a href=\"https:\/\/patents.google.com\/patent\/US5797134A\/en\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e86\u4e13\u5229<\/a> \u3002 \u4e13\u5229\u4e2d\u63cf\u8ff0\u7684\u8bbe\u5907\u6210\u4e3a\u6574\u4e2a\u9065\u6d4b\u7cfb\u7edf\u7684\u57fa\u7840\uff0c\u8be5\u7cfb\u7edf\u5f7b\u5e95\u6539\u53d8\u4e86\u4fdd\u9669\u516c\u53f8\u5bf9\u6c7d\u8f66\u4fdd\u9669\u7684\u770b\u6cd5\u3002<\/p>\n\n<p>\u5982\u4eca\uff0c\u9065\u6d4b\u5de5\u5177\u53d8\u5f97\u66f4\u52a0\u5bb9\u6613\u548c\u6709\u6548\u5730\u4f7f\u7528\uff0c\u4e3a\u4fdd\u9669\u516c\u53f8\u5f00\u8f9f\u4e86\u65b0\u7684\u673a\u4f1a\uff0c\u6218\u7565\u4fdd\u9669\u4ee3\u7406\u8054\u76df \uff08SIAA\uff09 \u548c SAN Group \u7684\u9996\u5e2d\u6267\u884c\u5b98 <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> \u8bf4\u3002 \u9065\u6d4b\u5de5\u5177\u7684\u516c\u4f17\u77e5\u540d\u5ea6\u4e0d\u65ad\u63d0\u9ad8\uff0c\u4e5f\u589e\u52a0\u4e86\u5ba2\u6237\u5bf9\u5b83\u4eec\u7684\u4f7f\u7528\u9700\u6c42\uff0c\u4ed6\u4eec\u5e0c\u671b\u4fdd\u9669\u516c\u53f8\u5728\u8ba1\u7b97\u8d39\u7387\u65f6\u8003\u8651\u4ed6\u4eec\u7684\u4e2a\u4eba\u6570\u636e\u548c\u884c\u4e3a\u3002<\/p>\n\n<p>\u5728\u672a\u6765\u5341\u5e74\uff0c\u9065\u6d4b\u6c7d\u8f66\u4fdd\u9669\u7684\u8fdb\u6b65\u5c06\u8fdb\u4e00\u6b65\u6539\u53d8\u4fdd\u9669\u8303\u56f4\u548c\u8f66\u961f\u7ba1\u7406\uff0c\u5373\u4f7f <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\">\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66<\/a> \u53d6\u4ee3\u4e86\u4eba\u7c7b\u9a7e\u9a76\u7684\u6c7d\u8f66\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4e2a\u6027\u5316\u670d\u52a1\u548c\u5b9a\u4ef7<\/h2>\n\n<p>\u4fdd\u9669\u5ba2\u6237\u8d8a\u6765\u8d8a\u9700\u8981\u4e2a\u6027\u5316\u670d\u52a1\uff0c\u5305\u62ec\u4e2a\u6027\u5316\u4fdd\u8d39\u3002\n\u4ed6\u4eec\u5e0c\u671b\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u8bc6\u522b\u4ed6\u4eec\uff0c\u9884\u6d4b\u4ed6\u4eec\u7684\u7279\u5b9a\u9700\u6c42\uff0c\u5e76\u6839\u636e\u4ed6\u4eec\u7684\u4e2a\u4eba\u884c\u4e3a\u5b9a\u5236\u5b9a\u4ef7\u548c\u627f\u4fdd\u8303\u56f4\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u57fa\u4e8e\u4f7f\u7528\u91cf\u7684\u4fdd\u9669\u7684\u5174\u8d77<\/h3>\n\n<p>\u9065\u6d4b\u652f\u6301\u91c7\u7528\u57fa\u4e8e\u4f7f\u7528\u91cf\u7684\u4fdd\u9669 \uff08UBI\uff09\uff0c\u8be5\u4fdd\u9669\u4f7f\u7528\u9a7e\u9a76\u5458\u7684\u4e2a\u4eba\u9a7e\u9a76\u6570\u636e\u4f5c\u4e3a\u8bbe\u7f6e\u4fdd\u9669\u8d39\u7684\u57fa\u7840\u3002Aeris \u5e02\u573a\u5f00\u53d1\u526f\u603b\u88c1 <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> \u5728\u300a\u4fdd\u9669\u5546\u4e1a\u6742\u5fd7\u300b\u4e0a\u53d1\u8868\u4e86\u4e00\u7bc7\u5173\u4e8e\u6b64\u7684\u7cbe\u5f69\u6587\u7ae0\u3002<\/p>\n\n<p>\u53f8\u673a\u559c\u6b22 UBI\uff0c\u56e0\u4e3a\u5b83\u627f\u8bfa\u901a\u8fc7\u53cd\u6620\u826f\u597d\u7684\u9a7e\u9a76\u4e60\u60ef\u6765\u964d\u4f4e\u4ed6\u4eec\u7684\u4fdd\u8d39\u3002\nMohseninia \u5199\u9053\uff0c\u5bf9\u4e8e\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\uff0c\u201c\u5bf9\u6df1\u5ea6\u9065\u6d4b\u7684\u66f4\u591a\u8bbf\u95ee\u4f7f\u4fdd\u9669\u63d0\u4f9b\u5546\u80fd\u591f\u8bc4\u4f30\u9a7e\u9a76\u5458\u884c\u4e3a\u3001\u8bc4\u4f30\u98ce\u9669\uff0c\u5e76\u6839\u636e\u5404\u79cd\u6570\u636e\u6d1e\u5bdf\u5236\u5b9a\u5b9a\u5236\u7684 UBI \u4fdd\u5355\u3002 <\/p>\n\n<p><a href=\"https:\/\/www.naic.org\/cipr_topics\/topic_usage_based_insurance.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u56fd\u4fdd\u9669\u4e13\u5458\u534f\u4f1a<\/a> \uff08NAIC\uff09 \u6307\u51fa\uff0c\u5728\u4e8b\u6545\u671f\u95f4\u6536\u96c6\u7684\u6570\u636e\u5982\u4f55\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u66f4\u597d\u5730\u4e86\u89e3\u6210\u672c\u5e76\u53d1\u73b0\u6b3a\u8bc8\u98ce\u9669\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u9065\u6d4b\u6280\u672f\u63d0\u9ad8\u4e86\u5b89\u5168\u6027<\/h3>\n\n<p>\u8fc7\u53bb\u51e0\u5341\u5e74\u6765\uff0c\u9065\u6d4b\u6280\u672f\u7684\u6700\u5927\u5356\u70b9\u4e4b\u4e00\u662f\u5b89\u5168\u6027\u3002\n\u6536\u96c6\u5230\u7684\u4fe1\u606f\u53ef\u4ee5\u5e2e\u52a9\u9a7e\u9a76\u5458\u8bc6\u522b\u4ed6\u4eec\u4f55\u65f6\u627f\u62c5\u4e0d\u5fc5\u8981\u7684\u98ce\u9669\uff0c\u800c\u8be5\u8bbe\u5907\u7684\u5b58\u5728\u672c\u8eab\u5c31\u4f1a\u5bfc\u81f4\u4e00\u4e9b\u9a7e\u9a76\u5458\u66f4\u52a0\u6ce8\u610f\u4ed6\u4eec\u5728\u65b9\u5411\u76d8\u540e\u9762\u7684\u505a\u6cd5\u3002 <\/p>\n\n<p>\u9065\u6d4b\u7684\u5b89\u5168\u4f18\u52bf\u4e0d\u4ec5\u4ec5\u662f\u7406\u8bba\u4e0a\u7684\u3002\nLexisNexis Risk Solutions \u6c7d\u8f66\u548c\u9065\u6d4b\u4fdd\u9669\u8425\u9500\u603b\u76d1 <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> \u8868\u793a\uff0c\u81ea 2011 \u5e74\u4ee5\u6765\uff0cLexisNexis Risk Solutions \u5bf9\u82f1\u56fd\u53f8\u673a\u8fdb\u884c\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u81ea 2011 \u5e74\u4ee5\u6765\uff0c\u8be5\u6280\u672f\u5df2\u5e2e\u52a9 17 \u81f3 19 \u5c81\u53f8\u673a\u7684\u4e8b\u6545\u51cf\u5c11\u4e86 35.3%\u3002 <\/p>\n\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5728\u6240\u6709\u53f8\u673a\u4e2d\uff0c\u4e0b\u964d\u4e86 16.2%\u3002\n\u533a\u522b\u662f\u4ec0\u4e48\uff1f\n80% \u7684\u9752\u5c11\u5e74\u53f8\u673a\u62e5\u6709\u9065\u6d4b\u8bbe\u5907\u3002\n\u968f\u7740\u65b0\u53f8\u673a\u8d8a\u6765\u8d8a\u591a\u5730\u91c7\u7528\u8fd9\u4e9b\u8bbe\u5907\uff0c\u4e0e\u4ea4\u901a\u76f8\u5173\u7684\u6b7b\u4ea1\u4eba\u6570\u9010\u5e74\u4e0b\u964d\u3002   <\/p>\n\n<p>\u57fa\u4e8e\u667a\u80fd\u624b\u673a\u7684\u9065\u6d4b\u6280\u672f\u8fd8\u53ef\u4ee5\u9488\u5bf9\u5206\u5fc3\u9a7e\u9a76\u7b49\u5371\u9669\u884c\u4e3a\uff0cInsurance Innovation Reporter \u7684 <a href=\"http:\/\/iireporter.com\/the-insurance-industrys-chance-to-address-distracted-driving\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sam Madden<\/a> \u5199\u9053\u3002 \u9664\u4e86\u6536\u96c6\u6570\u636e\u7528\u4e8e\u4fdd\u9669\u5916\uff0c\u8fd9\u4e9b\u5de5\u5177\u8fd8\u53ef\u4ee5\u5411\u9a7e\u9a76\u5458\u63d0\u4f9b\u6709\u5173\u81ea\u8eab\u4e60\u60ef\u7684\u5373\u65f6\u53cd\u9988\uff0c\u5e2e\u52a9\u4ed6\u4eec\u7ec3\u4e60\u66f4\u5b89\u5168\u7684\u9a7e\u9a76\u5e76\u9632\u6b62\u4e8b\u6545\u3002<\/p>\n\n<p>\u9065\u6d4b\u6c7d\u8f66\u4fdd\u9669\u4ee3\u8868\u4e86\u4fdd\u9669\u516c\u53f8\u5728\u4fdd\u9669\u8d2d\u4e70\u91cf\u4e0b\u964d\u7684\u65f6\u4ee3\u53ef\u4ee5\u638c\u63a7\u7684\u4e00\u79cd\u65b9\u5f0f\u3002\nThe Floow \u9996\u5e2d\u4ea7\u54c1\u5b98 <a href=\"https:\/\/www.thefloow.com\/news\/driving-change-telematics-actuary-the-floow.html\" target=\"_blank\" rel=\"noreferrer noopener\">Andy Goldby<\/a> \u8bf4\uff1a\u201c\u8fd9\u4e9b\u6570\u636e\u6765\u81ea\u9065\u6d4b\u63d0\u4f9b\u5546\u7cbe\u7b97\u5e08\uff0c\u4ed6\u4eec\u62e5\u6709\u5f3a\u5927\u7684\u65b0\u529f\u80fd\u6765\u4e3a\u4ed6\u4eec\u7684\u4fdd\u5355\u5b9a\u4ef7\u5e76\u544a\u77e5\u4ed6\u4eec\u5bf9\u98ce\u9669\u7684\u7406\u89e3\u201d\uff0c\u901a\u8fc7\u4f7f\u7528\u4e2a\u4eba\u9a7e\u9a76\u5458\u7684\u884c\u4e3a\uff0c\u800c\u4e0d\u662f\u5e74\u9f84\u6216\u4f4d\u7f6e\uff0c\u4f5c\u4e3a\u4fdd\u9669\u548c\u8d39\u7387\u7684\u57fa\u7840\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u9065\u6d4b\u6c7d\u8f66\u4fdd\u9669\u9762\u4e34\u7684\u6311\u6218<\/h3>\n\n<p>\u5c3d\u7ba1\u9065\u6d4b\u6c7d\u8f66\u4fdd\u9669\u627f\u8bfa\u5fae\u8c03\u98ce\u9669\u8bc4\u4f30\u548c\u4fdd\u8d39\uff0c\u4f46\u5b9e\u65bd\u8be5\u6280\u672f\u7ed9\u8fd0\u8425\u5546\u5e26\u6765\u4e86\u6311\u6218\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u4ec5\u4ec5\u62e5\u6709\u9a7e\u9a76\u5458\u6570\u636e\u5e76\u4e0d\u80fd\u4fdd\u8bc1\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5229\u7528\u5b83\u6765\u5b9e\u73b0\u5176\u4e1a\u52a1\u76ee\u6807\u3002\n\u4e3a\u4e86\u6210\u529f\u4f7f\u7528\u9065\u6d4b\u6280\u672f\uff0c\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u4ed4\u7ec6\u8003\u8651\u5982\u4f55\u5c06\u8fd9\u4e9b\u8bbe\u5907\u7eb3\u5165\u4ed6\u4eec\u5f53\u524d\u7684\u9700\u6c42\u548c\u4ed6\u4eec\u81ea\u5df1\u7684\u4fdd\u9669\u65b9\u6cd5\uff0cISO \u7684\u7cbe\u7b97\u5e08 <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2014\/05\/19\/329538.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jim Weiss<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u6570\u636e\u9690\u79c1\u548c\u5b89\u5168\u6027\u4e3a\u9065\u6d4b\u6280\u672f\u7684\u91c7\u7528\u589e\u52a0\u4e86\u53e6\u4e00\u5c42\u6311\u6218\u3002\n\u201c\u5728\u5f15\u5165\u57fa\u4e8e\u4f4d\u7f6e\u7684\u670d\u52a1\u4e4b\u524d\uff0c\u516c\u53f8\u65e0\u6cd5\u5982\u6b64\u8be6\u7ec6\u5730\u89c2\u5bdf\u6d88\u8d39\u8005\u7684\u884c\u4e3a\u548c\u4e2a\u4eba\u4fe1\u606f\uff0c\u201d <a href=\"https:\/\/phys.org\/news\/2019-02-effectiveness-real-time-drivers-companies.html\" target=\"_blank\" rel=\"noreferrer noopener\">Charles Weinberg<\/a> \u8bf4\uff0c\u4ed6\u662f 2019 \u5e74 1 \u6708\u7248\u300a\u8425\u9500\u79d1\u5b66\u300b\u4e0a\u53d1\u8868\u7684\u4e00\u9879\u9065\u6d4b\u6570\u636e\u7814\u7a76\u7684\u5408\u8457\u8005\u3002 <\/p>\n\n<p>\u5c3d\u7ba1\u4fdd\u9669\u516c\u53f8\u76ee\u524d\u5236\u5b9a\u4e86\u9690\u79c1\u653f\u7b56\uff0c\u4f46\u8fd9\u4e9b\u653f\u7b56\u53ef\u80fd\u4e0d\u8db3\u4ee5\u89e3\u51b3\u9065\u6d4b\u6280\u672f\u63d0\u4f9b\u7684\u8be6\u7ec6\u7a0b\u5ea6\u3002\nWeinberg \u8bf4\uff0c\u5728\u9065\u6d4b\u6280\u672f\u5728\u6c7d\u8f66\u4fdd\u9669\u4e2d\u53d1\u6325\u5176\u6f5c\u529b\u4e4b\u524d\uff0c\u9700\u8981\u6df1\u601d\u719f\u8651\u5730\u8003\u8651\u548c\u91c7\u7528\u5e73\u8861\u9a7e\u9a76\u5458\u9690\u79c1\u95ee\u9898\u548c\u4ed6\u4eec\u5bf9\u66f4\u5b9a\u5236\u4fdd\u9669\u7684\u613f\u671b\u7684\u65b0\u653f\u7b56\u3002 <\/p>\n\n<p>Aite Group \u9ad8\u7ea7\u5206\u6790\u5e08 <a href=\"https:\/\/www.aitegroup.com\/telematics-commercial-vehicle-insurance-vendor-overview\" target=\"_blank\" rel=\"noreferrer noopener\">Greg Donaldson<\/a> \u8868\u793a\uff0c\u4fdd\u9669\u516c\u53f8\u5e94\u5bf9\u9690\u79c1\u548c\u5176\u4ed6\u6311\u6218\u7684\u4e00\u79cd\u65b9\u5f0f\u662f\u4e0e\u9065\u6d4b\u516c\u53f8\u5408\u4f5c\uff0c\u8fd9\u4e9b\u516c\u53f8\u5df2\u7ecf\u5bf9\u6548\u7387\u3001\u6709\u6548\u6027\u548c\u6570\u636e\u4fdd\u62a4\u95ee\u9898\u8fdb\u884c\u4e86\u76f8\u5f53\u591a\u7684\u601d\u8003\u3002 \u8fd9\u79cd\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u53ef\u4ee5\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u66f4\u5feb\u5730\u66f4\u65b0\u4ed6\u4eec\u7684\u65b9\u6cd5\uff0c\u540c\u65f6\u8fd8\u53ef\u4ee5\u8ba9\u4ed6\u4eec\u5bf9\u9065\u6d4b\u548c\u5176\u4ed6\u6570\u5b57\u5de5\u5177\u7684\u4f7f\u7528\u9762\u5411\u672a\u6765\u3002<\/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\">\u8f66\u961f\u7ba1\u7406\u548c\u5546\u4e1a\u4fdd\u9669<\/h2>\n\n<p>\u9065\u6d4b\u8fd8\u4e3a\u5546\u4e1a\u8f66\u961f\u7ba1\u7406\u63d0\u4f9b\u4e86\u8bb8\u591a\u4f18\u52bf\u3002\n\u4f8b\u5982\uff0c\u8fd9\u4e9b\u5de5\u5177\u53ef\u4ee5\u5e2e\u52a9\u516c\u53f8\u66f4\u597d\u5730\u8ddf\u8e2a\u548c\u5206\u6790\u71c3\u6599\u6d88\u8017\u3001\u8def\u7ebf\u3001\u7ef4\u62a4\u3001\u5408\u89c4\u6027\u548c\u9a7e\u9a76\u5458\u7684\u5b89\u5168\u4e60\u60ef\uff0cIgnite \u7684 <a href=\"https:\/\/igniteoutsourcing.com\/automotive\/telematics-and-connected-car\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lyudmyla Novosilska<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u5bf9\u4e8e\u5546\u4e1a\u8f66\u961f\u6765\u8bf4\uff0c\u6709\u5173\u4e2a\u4eba\u9a7e\u9a76\u884c\u4e3a\u7684\u6570\u636e\u53ea\u662f\u9065\u6d4b\u7684\u4e00\u4e2a\u6709\u524d\u9014\u7684\u65b9\u9762\u3002\n\u53e6\u4e00\u4e2a\u662f\u80fd\u591f\u901a\u8fc7\u5b9a\u671f\u66f4\u65b0\u3001\u5b9e\u65f6\u4e86\u89e3\u8f66\u8f86\u672c\u8eab\u7684\u6027\u80fd\u6765\u7ba1\u7406\u8f66\u961f\u7ef4\u62a4\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u9065\u6d4b\u53ef\u7528\u4e8e\u4ece\u8f66\u8f86\u7684\u4f20\u611f\u5668\u6536\u96c6\u6570\u636e\uff0c\u5e76\u5c06\u5176\u53d1\u9001\u7ed9\u5546\u4e1a\u8f66\u961f\u7ecf\u7406\u8fdb\u884c\u5206\u6790\u548c\u53ef\u89c6\u5316\u3002\n\u7ba1\u7406\u4eba\u5458\u53ef\u4ee5\u770b\u5230\u6709\u5173\u8f66\u8f86\u6bcf\u4e2a\u90e8\u5206\u8fd0\u884c\u60c5\u51b5\u7684\u6570\u636e\uff0c\u5e76\u53ef\u4ee5\u5728\u95ee\u9898\u5bfc\u81f4\u6545\u969c\u6216\u4e8b\u6545\u4e4b\u524d\u89e3\u51b3\u95ee\u9898\u3002 <\/p>\n\n<p>\u6c7d\u8f66\u5236\u9020\u5546\u5df2\u7ecf\u6536\u96c6\u4e86\u8fd9\u4e9b\u6570\u636e\uff0c\u7ecf\u9500\u5546\u7528\u5b83\u6765\u8bca\u65ad\u8f66\u8f86\u95ee\u9898\u5e76\u89e3\u51b3\u5b83\u4eec\uff0c\u6c7d\u8f66\u62a4\u7406\u534f\u4f1a\u7684 <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> \u8bf4\u3002 \u5bf9\u4e8e\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\uff0c\u8fd9\u4e00\u4e8b\u5b9e\u521b\u9020\u4e86\u4e00\u4e2a\u673a\u4f1a\uff0c\u53ef\u4ee5\u5229\u7528\u73b0\u6709\u57fa\u7840\u8bbe\u65bd\u66f4\u597d\u5730\u627f\u4fdd\u5546\u4e1a\u4fdd\u5355\uff0c\u5e76\u5e2e\u52a9\u8f66\u961f\u7ecf\u7406\u63d0\u9ad8\u5b89\u5168\u6027\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6539\u8fdb\u7684\u8f66\u961f\u7ba1\u7406\u4e5f\u80fd\u4f7f\u9a7e\u9a76\u73af\u5883\u66f4\u5b89\u5168\u5417\uff1f<\/h2>\n\n<p>\u9065\u6d4b\u516c\u53f8 Geotab \u7684\u9996\u5e2d\u6267\u884c\u5b98\u517c\u521b\u59cb\u4eba <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> \u8bf4\uff0c\u5728\u6539\u5584\u8857\u9053\u7ba1\u7406\u548c\u5b89\u5168\u65b9\u9762\uff0c\u9065\u6d4b\u4e5f\u53ef\u4ee5\u5728\u8f66\u961f\u7ba1\u7406\u4e2d\u53d1\u6325\u5f3a\u5927\u7684\u4f5c\u7528\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u7f8e\u56fd\u90ae\u653f\u5c40\u6b63\u5728\u8003\u8651\u5f00\u5c55\u4e00\u9879\u8ba1\u5212\uff0c\u8ba9\u5176\u90ae\u653f\u8f66\u8f86\u4e0e\u5176\u670d\u52a1\u7684\u533a\u57df\u5171\u4eab\u9065\u6d4b\u6570\u636e\u3002\nCawse \u8bf4\uff0c\u8fd9\u4e9b\u4fe1\u606f\u5c06\u4f7f\u5e02\u653f\u5f53\u5c40\u80fd\u591f\u66f4\u6e05\u695a\u5730\u4e86\u89e3\u54ea\u4e9b\u8857\u9053\u9700\u8981\u7ef4\u4fee\uff0c\u6216\u8005\u54ea\u4e9b\u5341\u5b57\u8def\u53e3\u9700\u8981\u66f4\u597d\u7684\u6807\u5fd7\u6216\u706f\u5149\u3002 <\/p>\n\n<p>\u7531\u4e8e\u8fd9\u4e9b\u57ce\u5e02\u63d0\u9ad8\u4e86\u9053\u8def\u7ef4\u62a4\u7684\u6548\u7387\uff0c\u56e0\u6b64\u57fa\u4e8e\u5751\u6d3c\u6216\u5341\u5b57\u8def\u53e3\u6807\u5fd7\u4e0d\u8db3\u9020\u6210\u7684\u635f\u574f\u7684\u4fdd\u9669\u7d22\u8d54\u6709\u671b\u51cf\u5c11\u3002<\/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\">\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66\uff1a\u9065\u6d4b\u7684\u65b0\u4e16\u754c<\/h2>\n\n<p>\u4e92\u8054\u6c7d\u8f66\uff0c\u5305\u62ec\u9065\u6d4b\u548c\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66\uff0c\u7ee7\u7eed\u5438\u5f15\u7740\u9a7e\u9a76\u5458\u7684\u5174\u8da3\u3002\n <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> \u5728 Repairer Driven News \u4e2d\u5f15\u7528\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c46% \u7684\u53f8\u673a\u5bf9\u6839\u636e\u4ed6\u4eec\u9a7e\u9a76\u5185\u7f6e\u9065\u6d4b\u7cfb\u7edf\u7684\u8f66\u8f86\u83b7\u5f97\u6298\u6263\u975e\u5e38\u611f\u5174\u8da3\u3002 <\/p>\n\n<p>\u7531\u4e8e\u56f4\u7ed5\u9065\u6d4b\u7684\u5927\u90e8\u5206\u5bf9\u8bdd\u90fd\u96c6\u4e2d\u5728\u8ddf\u8e2a\u9a7e\u9a76\u5458\u7684\u884c\u4e3a\u4e0a\uff0c\u56e0\u6b64\u5b83\u901a\u5e38\u88ab\u7406\u89e3\u4e3a\u4e0e\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66\u8ba8\u8bba\u4e0d\u540c\u7684\u5bf9\u8bdd\u3002\n\u7136\u800c\uff0c\u9065\u6d4b\u548c\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66\u53ef\u80fd\u662f\u4e24\u79cd\u9f50\u5934\u5e76\u8fdb\u7684\u6280\u672f\u3002 <\/p>\n\n<p>\u201c\u968f\u7740\u516c\u53f8\u7ade\u76f8\u53d1\u5c55\u5b8c\u5168\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66\uff0c\u6570\u636e\u5904\u7406\u3001\u6570\u636e\u5206\u6790\u548c\u9065\u6d4b\u5c06\u51b3\u5b9a\u6210\u8d25\uff0c\u201dEMC \u6b27\u6d32\u3001\u4e2d\u4e1c\u548c\u975e\u6d32\u6218\u7565\u8054\u76df\u524d\u9ad8\u7ea7\u603b\u76d1 <a href=\"https:\/\/www.techradar.com\/news\/ai-5g-and-the-race-to-completely-autonomous-vehicles\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Gadd<\/a> \u8bf4\u3002<\/p>\n\n<p>Gadd \u8bf4\uff0c\u7531\u4e8e\u81ea\u52a8\u9a7e\u9a76\u6c7d\u8f66\u5728\u5176\u8fd0\u884c\u8fc7\u7a0b\u4e2d\u4f1a\u4ea7\u751f\u5927\u91cf\u6570\u636e\uff0c\u56e0\u6b64\u7528\u4e8e\u6570\u636e\u5206\u6790\u7684\u4e2d\u592e\u7ba1\u7406\u7cfb\u7edf\u5bf9\u4e8e\u6c7d\u8f66\u5236\u9020\u5546\u3001\u4fdd\u9669\u516c\u53f8\u548c\u5176\u4ed6\u4e0e\u8f66\u8f86\u5b89\u5168\u8fd0\u884c\u6709\u5229\u5bb3\u5173\u7cfb\u7684\u5404\u65b9\u6765\u8bf4\u5c06\u53d8\u5f97\u81f3\u5173\u91cd\u8981\u3002\n\u4e2d\u592e\u7ba1\u7406\u7cfb\u7edf\u5141\u8bb8\u66f4\u5feb\u7684\u6570\u636e\u5904\u7406\uff0c\u8fd9\u53ef\u4ee5\u5e2e\u52a9\u8f66\u8f86\u66f4\u5feb\u5730\u54cd\u5e94\u98ce\u9669\u5e76\u51cf\u5c11\u4e8b\u6545\u3002 <\/p>\n\n<p>\u968f\u7740\u9065\u6d4b\u6280\u672f\u5f00\u59cb\u4e0e\u5176\u4ed6\u4ee5\u6570\u636e\u4e3a\u4e2d\u5fc3\u7684\u5de5\u5177\u5408\u5e76\u4ee5\u6539\u53d8\u6c7d\u8f66\u884c\u4e1a\uff0c\u6c7d\u8f66\u4fdd\u9669\u884c\u4e1a\u4e5f\u9762\u4e34\u7740\u65b0\u7684\u89c6\u91ce\u3002\n\u201c\u4e2a\u4eba\u6c7d\u8f66\u4fdd\u9669\u5e02\u573a\u6b63\u5728\u7ecf\u5386\u4e00\u7cfb\u5217\u4e0d\u65ad\u6269\u5927\u7684\u6311\u6218\uff0c\u5305\u62ec\u6574\u5408\u3001\u4e0d\u65ad\u53d1\u5c55\u7684\u5206\u9500\u7ed3\u6784\u548c\u4ea7\u54c1\u5546\u54c1\u5316\uff0c\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\uff0c\u8fd9\u4e9b\u6311\u6218\u5f88\u53ef\u80fd\u4f1a\u91cd\u65b0\u5b9a\u4e49\u4e1a\u52a1\uff0c\u201dConning \u4fdd\u9669\u7814\u7a76\u603b\u76d1 <a href=\"https:\/\/www.carriermanagement.com\/news\/2018\/09\/16\/184225.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Alan Dobbins<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u9065\u6d4b\u6c7d\u8f66\u4fdd\u9669\u6709\u52a9\u4e8e\u6ee1\u8db3\u5ba2\u6237\u7684\u4e2a\u6027\u5316\u9700\u6c42\u3001\u63a7\u5236\u98ce\u9669\u548c\u63d0\u9ad8\u5b89\u5168\u6027\u3002\n\u901a\u8fc7\u8fd9\u6837\u505a\uff0c\u8be5\u6280\u672f\u4e3a\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e86\u4e00\u79cd\u65b9\u5f0f\uff0c\u8ba9\u4ed6\u4eec\u6210\u4e3a\u6c7d\u8f66\u884c\u4e1a\u53d8\u5316\u7684\u4e00\u90e8\u5206\uff0c\u800c\u4e0d\u662f\u53d7\u5236\u4e8e\u6c7d\u8f66\u884c\u4e1a\u7684\u53d8\u5316\u3002 <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1a cheskyw\/\u00a9123RF.com\uff0c alphaspirit \/\u00a9123RF.com\uff0c scanrail\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>1996 \u5e74\uff0cProgressive \u4e3a\u5176\u201c\u7528\u4e8e\u786e\u5b9a\u4fdd\u9669\u8d39\u7528\u7684\u673a\u52a8\u8f66\u76d1\u63a7\u7cfb\u7edf\u201d\u7533\u8bf7 \u4e86\u4e13\u5229 \u3002 \u4e13\u5229\u4e2d\u63cf\u8ff0\u7684\u8bbe [&hellip;]<\/p>\n","protected":false},"featured_media":6018,"template":"","insight-category":[],"class_list":["post-21159","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/21159","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/6018"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=21159"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=21159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}