{"id":21168,"date":"2024-09-30T14:22:42","date_gmt":"2024-09-30T19:22:42","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e9%81%99%e6%b8%ac%e6%b1%bd%e8%bb%8a%e4%bf%9d%e9%9a%aa%e5%a6%82%e4%bd%95%e5%b8%b6%e4%be%86%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%a7%95%e9%a7%9b\/"},"modified":"2024-10-29T09:12:03","modified_gmt":"2024-10-29T14:12:03","slug":"%e9%81%99%e6%b8%ac%e6%b1%bd%e8%bb%8a%e4%bf%9d%e9%9a%aa%e5%a6%82%e4%bd%95%e5%b8%b6%e4%be%86%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%a7%95%e9%a7%9b","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e9%81%99%e6%b8%ac%e6%b1%bd%e8%bb%8a%e4%bf%9d%e9%9a%aa%e5%a6%82%e4%bd%95%e5%b8%b6%e4%be%86%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%a7%95%e9%a7%9b\/","title":{"rendered":"\u9059\u6e2c\u6c7d\u8eca\u4fdd\u96aa\u5982\u4f55\u5e36\u4f86\u66f4\u597d\u7684\u627f\u4fdd\u548c\u66f4\u5b89\u5168\u7684\u99d5\u99db"},"content":{"rendered":"\n<p>1996\u5e74\uff0cProgressive \u70ba\u5176\u300c\u7528\u65bc\u78ba\u5b9a\u4fdd\u96aa\u8cbb\u7528\u7684\u6a5f\u52d5\u8eca\u76e3\u63a7\u7cfb\u7d71\u300d\u7533\u8acb <a href=\"https:\/\/patents.google.com\/patent\/US5797134A\/en\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e86\u5c08\u5229<\/a> \u3002 \u5c08\u5229\u4e2d\u63cf\u8ff0\u7684\u8a2d\u5099\u6210\u70ba\u6574\u500b\u9059\u6e2c\u7cfb\u7d71\u7684\u57fa\u790e\uff0c\u8a72\u7cfb\u7d71\u5fb9\u5e95\u6539\u8b8a\u4e86\u4fdd\u96aa\u516c\u53f8\u5c0d\u6c7d\u8eca\u4fdd\u96aa\u7684\u770b\u6cd5\u3002<\/p>\n\n<p>\u5982\u4eca\uff0c\u9059\u6e2c\u5de5\u5177\u8b8a\u5f97\u66f4\u52a0\u5bb9\u6613\u548c\u6709\u6548\u5730\u4f7f\u7528\uff0c\u70ba\u4fdd\u96aa\u516c\u53f8\u958b\u95e2\u4e86\u65b0\u7684\u6a5f\u6703\uff0c\u6230\u7565\u4fdd\u96aa\u4ee3\u7406\u806f\u76df \uff08SIAA\uff09 \u548c SAN Group \u7684\u9996\u5e2d\u57f7\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> \u8aaa\u3002 \u9059\u6e2c\u5de5\u5177\u7684\u516c\u773e\u77e5\u540d\u5ea6\u4e0d\u65b7\u63d0\u9ad8\uff0c\u4e5f\u589e\u52a0\u4e86\u5ba2\u6236\u5c0d\u5b83\u5011\u7684\u4f7f\u7528\u9700\u6c42\uff0c\u4ed6\u5011\u5e0c\u671b\u4fdd\u96aa\u516c\u53f8\u5728\u8a08\u7b97\u8cbb\u7387\u6642\u8003\u616e\u4ed6\u5011\u7684\u500b\u4eba\u6578\u64da\u548c\u884c\u70ba\u3002<\/p>\n\n<p>\u5728\u672a\u4f86\u5341\u5e74\uff0c\u9059\u6e2c\u6c7d\u8eca\u4fdd\u96aa\u7684\u9032\u6b65\u5c07\u9032\u4e00\u6b65\u6539\u8b8a\u4fdd\u96aa\u7bc4\u570d\u548c\u8eca\u968a\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\u52d5\u99d5\u99db\u6c7d\u8eca<\/a> \u53d6\u4ee3\u4e86\u4eba\u985e\u99d5\u99db\u7684\u6c7d\u8eca\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u500b\u4eba\u5316\u670d\u52d9\u548c\u5b9a\u50f9<\/h2>\n\n<p>\u4fdd\u96aa\u5ba2\u6236\u8d8a\u4f86\u8d8a\u9700\u8981\u500b\u4eba\u5316\u670d\u52d9\uff0c\u5305\u62ec\u500b\u4eba\u5316\u4fdd\u8cbb\u3002\n\u4ed6\u5011\u5e0c\u671b\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u8b58\u5225\u4ed6\u5011\uff0c\u9810\u6e2c\u4ed6\u5011\u7684\u7279\u5b9a\u9700\u6c42\uff0c\u4e26\u6839\u64da\u4ed6\u5011\u7684\u500b\u4eba\u884c\u70ba\u5b9a\u88fd\u5b9a\u50f9\u548c\u627f\u4fdd\u7bc4\u570d\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa\u7684\u8208\u8d77<\/h3>\n\n<p>\u9059\u6e2c\u652f\u6301\u63a1\u7528\u57fa\u65bc\u4f7f\u7528\u91cf\u7684\u4fdd\u96aa \uff08UBI\uff09\uff0c\u8a72\u4fdd\u96aa\u4f7f\u7528\u99d5\u99db\u54e1\u7684\u500b\u4eba\u99d5\u99db\u6578\u64da\u4f5c\u70ba\u8a2d\u7f6e\u4fdd\u96aa\u8cbb\u7684\u57fa\u790e\u3002Aeris \u5e02\u5834\u958b\u767c\u526f\u7e3d\u88c1 <a href=\"https:\/\/www.insurancebusinessmag.com\/uk\/opinion\/how-telematics-is-transforming-the-car-insurance-landscape-119099.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">MohsenMohseninia<\/a>\u5728\u300a\u4fdd\u96aa\u5546\u696d\u96dc\u8a8c\u300b\u4e0a\u767c\u8868\u4e86\u4e00\u7bc7\u95dc\u65bc\u6b64\u7684\u7cbe\u5f69\u6587\u7ae0\u3002<\/p>\n\n<p>\u53f8\u6a5f\u559c\u6b61 UBI\uff0c\u56e0\u70ba\u5b83\u627f\u8afe\u901a\u904e\u53cd\u6620\u826f\u597d\u7684\u99d5\u99db\u7fd2\u6163\u4f86\u964d\u4f4e\u4ed6\u5011\u7684\u4fdd\u8cbb\u3002\nMohseninia \u5beb\u9053\uff0c\u5c0d\u65bc\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\uff0c\u201c\u5c0d\u6df1\u5ea6\u9059\u6e2c\u7684\u66f4\u591a\u8a2a\u554f\u4f7f\u4fdd\u96aa\u63d0\u4f9b\u8005\u80fd\u5920\u8a55\u4f30\u99d5\u99db\u54e1\u884c\u70ba\u3001\u8a55\u4f30\u98a8\u96aa\uff0c\u4e26\u6839\u64da\u5404\u7a2e\u6578\u64da\u6d1e\u5bdf\u5236\u5b9a\u5b9a\u88fd\u7684 UBI \u4fdd\u55ae\u3002 <\/p>\n\n<p><a href=\"https:\/\/www.naic.org\/cipr_topics\/topic_usage_based_insurance.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u570b\u4fdd\u96aa\u5c08\u54e1\u5354\u6703<\/a> \uff08NAIC\uff09 \u6307\u51fa\uff0c\u5728\u4e8b\u6545\u671f\u9593\u6536\u96c6\u7684\u6578\u64da\u5982\u4f55\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u66f4\u597d\u5730\u77ad\u89e3\u6210\u672c\u4e26\u767c\u73fe\u6b3a\u8a50\u98a8\u96aa\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u9059\u6e2c\u6280\u8853\u63d0\u9ad8\u4e86\u5b89\u5168\u6027<\/h3>\n\n<p>\u904e\u53bb\u5e7e\u5341\u5e74\u4f86\uff0c\u9059\u6e2c\u6280\u8853\u7684\u6700\u5927\u8ce3\u9ede\u4e4b\u4e00\u662f\u5b89\u5168\u6027\u3002\n\u6536\u96c6\u5230\u7684\u8cc7\u8a0a\u53ef\u4ee5\u8aac\u660e\u99d5\u99db\u54e1\u8b58\u5225\u4ed6\u5011\u4f55\u6642\u627f\u64d4\u4e0d\u5fc5\u8981\u7684\u98a8\u96aa\uff0c\u800c\u8a72\u8a2d\u5099\u7684\u5b58\u5728\u672c\u8eab\u5c31\u6703\u5c0e\u81f4\u4e00\u4e9b\u99d5\u99db\u54e1\u66f4\u52a0\u6ce8\u610f\u4ed6\u5011\u5728\u65b9\u5411\u76e4\u5f8c\u9762\u7684\u505a\u6cd5\u3002 <\/p>\n\n<p>\u9059\u6e2c\u7684\u5b89\u5168\u512a\u52e2\u4e0d\u50c5\u50c5\u662f\u7406\u8ad6\u4e0a\u7684\u3002\nLexisNexis Risk Solutions \u6c7d\u8eca\u548c\u9059\u6e2c\u4fdd\u96aa\u71df\u92b7\u7e3d\u76e3 <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\u4f86\uff0cLexisNexis Risk Solutions \u5c0d\u82f1\u570b\u53f8\u6a5f\u9032\u884c\u7684\u4e00\u9805\u7814\u7a76\u767c\u73fe\uff0c\u81ea 2011 \u5e74\u4ee5\u4f86\uff0c\u8a72\u6280\u8853\u5df2\u8aac\u660e 17 \u81f3 19 \u6b72\u53f8\u6a5f\u7684\u4e8b\u6545\u6e1b\u5c11\u4e86 35.3%\u3002 <\/p>\n\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5728\u6240\u6709\u53f8\u6a5f\u4e2d\uff0c\u4e0b\u964d\u4e86 16.2%\u3002\n\u5340\u5225\u662f\u4ec0\u9ebc\uff1f\n80% \u7684\u9752\u5c11\u5e74\u53f8\u6a5f\u64c1\u6709\u9059\u6e2c\u8a2d\u5099\u3002\n\u96a8\u8457\u65b0\u53f8\u6a5f\u8d8a\u4f86\u8d8a\u591a\u5730\u63a1\u7528\u9019\u4e9b\u8a2d\u5099\uff0c\u8207\u4ea4\u901a\u76f8\u95dc\u7684\u6b7b\u4ea1\u4eba\u6578\u9010\u5e74\u4e0b\u964d\u3002   <\/p>\n\n<p>\u57fa\u65bc\u667a\u6167\u624b\u6a5f\u7684\u9059\u6e2c\u6280\u8853\u9084\u53ef\u4ee5\u91dd\u5c0d\u5206\u5fc3\u99d5\u99db\u7b49\u5371\u96aa\u884c\u70ba\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> \u5beb\u9053\u3002 \u9664\u4e86\u6536\u96c6\u6578\u64da\u7528\u65bc\u4fdd\u96aa\u5916\uff0c\u9019\u4e9b\u5de5\u5177\u9084\u53ef\u4ee5\u5411\u99d5\u99db\u54e1\u63d0\u4f9b\u6709\u95dc\u81ea\u8eab\u7fd2\u6163\u7684\u5373\u6642\u53cd\u994b\uff0c\u5e6b\u52a9\u4ed6\u5011\u7df4\u7fd2\u66f4\u5b89\u5168\u7684\u99d5\u99db\u4e26\u9632\u6b62\u4e8b\u6545\u3002<\/p>\n\n<p>\u9059\u6e2c\u6c7d\u8eca\u4fdd\u96aa\u4ee3\u8868\u4e86\u4fdd\u96aa\u516c\u53f8\u5728\u4fdd\u96aa\u8cfc\u8cb7\u91cf\u4e0b\u964d\u7684\u6642\u4ee3\u53ef\u4ee5\u638c\u63a7\u7684\u4e00\u7a2e\u65b9\u5f0f\u3002\nThe Floow \u9996\u5e2d\u7522\u54c1\u5b98 <a href=\"https:\/\/www.thefloow.com\/news\/driving-change-telematics-actuary-the-floow.html\" target=\"_blank\" rel=\"noreferrer noopener\">Andy Goldby<\/a> \u8aaa\uff1a\u201c\u9019\u4e9b\u6578\u64da\u4f86\u81ea\u9059\u6e2c\u63d0\u4f9b\u8005\u7cbe\u7b97\u5e2b\uff0c\u4ed6\u5011\u64c1\u6709\u5f37\u5927\u7684\u65b0\u529f\u80fd\u4f86\u70ba\u4ed6\u5011\u7684\u4fdd\u55ae\u5b9a\u50f9\u4e26\u544a\u77e5\u4ed6\u5011\u5c0d\u98a8\u96aa\u7684\u7406\u89e3\u201d\uff0c\u901a\u904e\u4f7f\u7528\u500b\u4eba\u99d5\u99db\u54e1\u7684\u884c\u70ba\uff0c\u800c\u4e0d\u662f\u5e74\u9f61\u6216\u4f4d\u7f6e\uff0c\u4f5c\u70ba\u4fdd\u96aa\u548c\u8cbb\u7387\u7684\u57fa\u790e\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u9059\u6e2c\u6c7d\u8eca\u4fdd\u96aa\u9762\u81e8\u7684\u6311\u6230<\/h3>\n\n<p>\u5118\u7ba1\u9059\u6e2c\u6c7d\u8eca\u4fdd\u96aa\u627f\u8afe\u5fae\u8abf\u98a8\u96aa\u8a55\u4f30\u548c\u4fdd\u8cbb\uff0c\u4f46\u5be6\u65bd\u8a72\u6280\u8853\u7d66\u904b\u71df\u5546\u5e36\u4f86\u4e86\u6311\u6230\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u50c5\u50c5\u64c1\u6709\u99d5\u99db\u54e1\u6578\u64da\u4e26\u4e0d\u80fd\u4fdd\u8b49\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u5229\u7528\u5b83\u4f86\u5be6\u73fe\u5176\u696d\u52d9\u76ee\u6a19\u3002\n\u70ba\u4e86\u6210\u529f\u4f7f\u7528\u9059\u6e2c\u6280\u8853\uff0c\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u4ed4\u7d30\u8003\u616e\u5982\u4f55\u5c07\u9019\u4e9b\u8a2d\u5099\u7d0d\u5165\u4ed6\u5011\u7576\u524d\u7684\u9700\u6c42\u548c\u4ed6\u5011\u81ea\u5df1\u7684\u4fdd\u96aa\u65b9\u6cd5\uff0cISO \u7684\u7cbe\u7b97\u5e2b <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2014\/05\/19\/329538.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jim Weiss<\/a> \u8aaa\u3002 <\/p>\n\n<p>\u6578\u64da\u96b1\u79c1\u548c\u5b89\u5168\u6027\u70ba\u9059\u6e2c\u6280\u8853\u7684\u63a1\u7528\u589e\u52a0\u4e86\u53e6\u4e00\u5c64\u6311\u6230\u3002\n\u201c\u5728\u5f15\u5165\u57fa\u65bc\u4f4d\u7f6e\u7684\u670d\u52d9\u4e4b\u524d\uff0c\u516c\u53f8\u7121\u6cd5\u5982\u6b64\u8a73\u7d30\u5730\u89c0\u5bdf\u6d88\u8cbb\u8005\u7684\u884c\u70ba\u548c\u500b\u4eba\u8cc7\u8a0a\uff0c\u201d <a href=\"https:\/\/phys.org\/news\/2019-02-effectiveness-real-time-drivers-companies.html\" target=\"_blank\" rel=\"noreferrer noopener\">Charles Weinberg<\/a> \u8aaa\uff0c\u4ed6\u662f 2019 \u5e74 1 \u6708\u7248\u300a\u71df\u92b7\u79d1\u5b78\u300b\u4e0a\u767c\u8868\u7684\u4e00\u9805\u9059\u6e2c\u6578\u64da\u7814\u7a76\u7684\u5408\u8457\u8005\u3002 <\/p>\n\n<p>\u5118\u7ba1\u4fdd\u96aa\u516c\u53f8\u76ee\u524d\u5236\u5b9a\u4e86\u96b1\u79c1\u653f\u7b56\uff0c\u4f46\u9019\u4e9b\u653f\u7b56\u53ef\u80fd\u4e0d\u8db3\u4ee5\u89e3\u6c7a\u9059\u6e2c\u6280\u8853\u63d0\u4f9b\u7684\u8a73\u7d30\u7a0b\u5ea6\u3002\nWeinberg \u8aaa\uff0c\u5728\u9059\u6e2c\u6280\u8853\u5728\u6c7d\u8eca\u4fdd\u96aa\u4e2d\u767c\u63ee\u5176\u6f5b\u529b\u4e4b\u524d\uff0c\u9700\u8981\u6df1\u601d\u719f\u616e\u5730\u8003\u616e\u548c\u63a1\u7528\u5e73\u8861\u99d5\u99db\u54e1\u96b1\u79c1\u554f\u984c\u548c\u4ed6\u5011\u5c0d\u66f4\u5b9a\u88fd\u4fdd\u96aa\u7684\u9858\u671b\u7684\u65b0\u653f\u7b56\u3002 <\/p>\n\n<p>Aite Group \u9ad8\u7d1a\u5206\u6790\u5e2b <a href=\"https:\/\/www.aitegroup.com\/telematics-commercial-vehicle-insurance-vendor-overview\" target=\"_blank\" rel=\"noreferrer noopener\">Greg Donaldson<\/a> \u8868\u793a\uff0c\u4fdd\u96aa\u516c\u53f8\u61c9\u5c0d\u96b1\u79c1\u548c\u5176\u4ed6\u6311\u6230\u7684\u4e00\u7a2e\u65b9\u5f0f\u662f\u8207\u9059\u6e2c\u516c\u53f8\u5408\u4f5c\uff0c\u9019\u4e9b\u516c\u53f8\u5df2\u7d93\u5c0d\u6548\u7387\u3001\u6709\u6548\u6027\u548c\u6578\u64da\u4fdd\u8b77\u554f\u984c\u9032\u884c\u4e86\u76f8\u7576\u591a\u7684\u601d\u8003\u3002 \u9019\u7a2e\u5408\u4f5c\u5925\u4f34\u95dc\u4fc2\u53ef\u4ee5\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u66f4\u5feb\u5730\u66f4\u65b0\u4ed6\u5011\u7684\u65b9\u6cd5\uff0c\u540c\u6642\u9084\u53ef\u4ee5\u8b93\u4ed6\u5011\u5c0d\u9059\u6e2c\u548c\u5176\u4ed6\u6578\u4f4d\u5de5\u5177\u7684\u4f7f\u7528\u9762\u5411\u672a\u4f86\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\">\u8eca\u968a\u7ba1\u7406\u548c\u5546\u696d\u4fdd\u96aa<\/h2>\n\n<p>\u9059\u6e2c\u9084\u70ba\u5546\u696d\u8eca\u968a\u7ba1\u7406\u63d0\u4f9b\u4e86\u8a31\u591a\u512a\u52e2\u3002\n\u4f8b\u5982\uff0c\u9019\u4e9b\u5de5\u5177\u53ef\u4ee5\u8aac\u660e\u516c\u53f8\u66f4\u597d\u5730\u8ddf\u8e64\u548c\u5206\u6790\u71c3\u6599\u6d88\u8017\u3001\u8def\u7dda\u3001\u7dad\u8b77\u3001\u5408\u898f\u6027\u548c\u99d5\u99db\u54e1\u7684\u5b89\u5168\u7fd2\u6163\uff0cIgnite \u7684 <a href=\"https:\/\/igniteoutsourcing.com\/automotive\/telematics-and-connected-car\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lyudmyla Novosilska<\/a> \u8aaa\u3002 <\/p>\n\n<p>\u5c0d\u65bc\u5546\u696d\u8eca\u968a\u4f86\u8aaa\uff0c\u6709\u95dc\u500b\u4eba\u99d5\u99db\u884c\u70ba\u7684\u6578\u64da\u53ea\u662f\u9059\u6e2c\u7684\u4e00\u500b\u6709\u524d\u9014\u7684\u65b9\u9762\u3002\n\u53e6\u4e00\u500b\u662f\u80fd\u5920\u901a\u904e\u5b9a\u671f\u66f4\u65b0\u3001\u5be6\u6642\u77ad\u89e3\u8eca\u8f1b\u672c\u8eab\u7684\u6027\u80fd\u4f86\u7ba1\u7406\u8eca\u968a\u7dad\u8b77\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u9059\u6e2c\u53ef\u7528\u65bc\u5f9e\u8eca\u8f1b\u7684\u611f\u6e2c\u5668\u6536\u96c6\u6578\u64da\uff0c\u4e26\u5c07\u5176\u767c\u9001\u7d66\u5546\u696d\u8eca\u968a\u7d93\u7406\u9032\u884c\u5206\u6790\u548c\u53ef\u8996\u5316\u3002\n\u7ba1\u7406\u4eba\u54e1\u53ef\u4ee5\u770b\u5230\u6709\u95dc\u8eca\u8f1b\u6bcf\u500b\u90e8\u5206\u904b\u884c\u60c5\u6cc1\u7684\u6578\u64da\uff0c\u4e26\u53ef\u4ee5\u5728\u554f\u984c\u5c0e\u81f4\u6545\u969c\u6216\u4e8b\u6545\u4e4b\u524d\u89e3\u6c7a\u554f\u984c\u3002 <\/p>\n\n<p>\u6c7d\u8eca\u88fd\u9020\u5546\u5df2\u7d93\u6536\u96c6\u4e86\u9019\u4e9b\u6578\u64da\uff0c\u8f49\u92b7\u5546\u7528\u5b83\u4f86\u8a3a\u65b7\u8eca\u8f1b\u554f\u984c\u4e26\u89e3\u6c7a\u5b83\u5011\uff0c\u6c7d\u8eca\u8b77\u7406\u5354\u6703\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> \u8aaa\u3002 \u5c0d\u65bc\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\uff0c\u9019\u4e00\u4e8b\u5be6\u5275\u9020\u4e86\u4e00\u500b\u6a5f\u6703\uff0c\u53ef\u4ee5\u5229\u7528\u73fe\u6709\u57fa\u790e\u8a2d\u65bd\u66f4\u597d\u5730\u627f\u4fdd\u5546\u696d\u4fdd\u55ae\uff0c\u4e26\u5e6b\u52a9\u8eca\u968a\u7d93\u7406\u63d0\u9ad8\u5b89\u5168\u6027\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u6539\u9032\u7684\u8eca\u968a\u7ba1\u7406\u4e5f\u80fd\u4f7f\u99d5\u99db\u74b0\u5883\u66f4\u5b89\u5168\u55ce\uff1f<\/h2>\n\n<p>\u9059\u6e2c\u516c\u53f8 Geotab \u7684\u9996\u5e2d\u57f7\u884c\u5b98\u517c\u5275\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> \u8aaa\uff0c\u5728\u6539\u5584\u8857\u9053\u7ba1\u7406\u548c\u5b89\u5168\u65b9\u9762\uff0c\u9059\u6e2c\u4e5f\u53ef\u4ee5\u5728\u8eca\u968a\u7ba1\u7406\u4e2d\u767c\u63ee\u5f37\u5927\u7684\u4f5c\u7528\u3002<\/p>\n\n<p>\u4f8b\u5982\uff0c\u7f8e\u570b\u90f5\u653f\u5c40\u6b63\u5728\u8003\u616e\u958b\u5c55\u4e00\u9805\u8a08\u5283\uff0c\u8b93\u5176\u90f5\u653f\u8eca\u8f1b\u8207\u5176\u670d\u52d9\u7684\u5340\u57df\u5171\u7528\u9059\u6e2c\u6578\u64da\u3002\nCawse \u8aaa\uff0c\u9019\u4e9b\u8cc7\u8a0a\u5c07\u4f7f\u5e02\u653f\u7576\u5c40\u80fd\u5920\u66f4\u6e05\u695a\u5730\u77ad\u89e3\u54ea\u4e9b\u8857\u9053\u9700\u8981\u7dad\u4fee\uff0c\u6216\u8005\u54ea\u4e9b\u5341\u5b57\u8def\u53e3\u9700\u8981\u66f4\u597d\u7684\u6a19\u8a8c\u6216\u71c8\u5149\u3002 <\/p>\n\n<p>\u7531\u65bc\u9019\u4e9b\u57ce\u5e02\u63d0\u9ad8\u4e86\u9053\u8def\u7dad\u8b77\u7684\u6548\u7387\uff0c\u56e0\u6b64\u57fa\u65bc\u5751\u7aaa\u6216\u5341\u5b57\u8def\u53e3\u6a19\u8a8c\u4e0d\u8db3\u9020\u6210\u7684\u640d\u58de\u7684\u4fdd\u96aa\u7d22\u8ce0\u6709\u671b\u6e1b\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\u52d5\u99d5\u99db\u6c7d\u8eca\uff1a\u9059\u6e2c\u7684\u65b0\u4e16\u754c<\/h2>\n\n<p>\u4e92\u806f\u6c7d\u8eca\uff0c\u5305\u62ec\u9059\u6e2c\u548c\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\uff0c\u7e7c\u7e8c\u5438\u5f15\u8457\u99d5\u99db\u54e1\u7684\u8208\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\u9805\u7814\u7a76\u767c\u73fe\uff0c46% \u7684\u53f8\u6a5f\u5c0d\u6839\u64da\u4ed6\u5011\u99d5\u99db\u5167\u7f6e\u9059\u6e2c\u7cfb\u7d71\u7684\u8eca\u8f1b\u7372\u5f97\u6298\u6263\u975e\u5e38\u611f\u8208\u8da3\u3002 <\/p>\n\n<p>\u7531\u65bc\u570d\u7e5e\u9059\u6e2c\u7684\u5927\u90e8\u5206\u5c0d\u8a71\u90fd\u96c6\u4e2d\u5728\u8ddf\u8e64\u99d5\u99db\u54e1\u7684\u884c\u70ba\u4e0a\uff0c\u56e0\u6b64\u5b83\u901a\u5e38\u88ab\u7406\u89e3\u70ba\u8207\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\u8a0e\u8ad6\u4e0d\u540c\u7684\u5c0d\u8a71\u3002\n\u7136\u800c\uff0c\u9059\u6e2c\u548c\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\u53ef\u80fd\u662f\u5169\u7a2e\u9f4a\u982d\u4e26\u9032\u7684\u6280\u8853\u3002 <\/p>\n\n<p>\u201c\u96a8\u8457\u516c\u53f8\u7af6\u76f8\u767c\u5c55\u5b8c\u5168\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\uff0c\u6578\u64da\u8655\u7406\u3001\u6578\u64da\u5206\u6790\u548c\u9059\u6e2c\u5c07\u6c7a\u5b9a\u6210\u6557\uff0c\u201dEMC \u6b50\u6d32\u3001\u4e2d\u6771\u548c\u975e\u6d32\u6230\u7565\u806f\u76df\u524d\u9ad8\u7d1a\u7e3d\u76e3 <a href=\"https:\/\/www.techradar.com\/news\/ai-5g-and-the-race-to-completely-autonomous-vehicles\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Gadd<\/a> \u8aaa\u3002<\/p>\n\n<p>Gadd \u8aaa\uff0c\u7531\u65bc\u81ea\u52d5\u99d5\u99db\u6c7d\u8eca\u5728\u5176\u904b\u884c\u904e\u7a0b\u4e2d\u6703\u7522\u751f\u5927\u91cf\u6578\u64da\uff0c\u56e0\u6b64\u7528\u65bc\u6578\u64da\u5206\u6790\u7684\u4e2d\u592e\u7ba1\u7406\u7cfb\u7d71\u5c0d\u65bc\u6c7d\u8eca\u88fd\u9020\u5546\u3001\u4fdd\u96aa\u516c\u53f8\u548c\u5176\u4ed6\u8207\u8eca\u8f1b\u5b89\u5168\u904b\u884c\u6709\u5229\u5bb3\u95dc\u4fc2\u7684\u5404\u65b9\u4f86\u8aaa\u5c07\u8b8a\u5f97\u81f3\u95dc\u91cd\u8981\u3002\n\u4e2d\u592e\u7ba1\u7406\u7cfb\u7d71\u5141\u8a31\u66f4\u5feb\u7684\u6578\u64da\u8655\u7406\uff0c\u9019\u53ef\u4ee5\u5e6b\u52a9\u8eca\u8f1b\u66f4\u5feb\u5730\u56de\u61c9\u98a8\u96aa\u4e26\u6e1b\u5c11\u4e8b\u6545\u3002 <\/p>\n\n<p>\u96a8\u8457\u9059\u6e2c\u6280\u8853\u958b\u59cb\u8207\u5176\u4ed6\u4ee5\u6578\u64da\u70ba\u4e2d\u5fc3\u7684\u5de5\u5177\u5408\u4f75\u4ee5\u6539\u8b8a\u6c7d\u8eca\u884c\u696d\uff0c\u6c7d\u8eca\u4fdd\u96aa\u884c\u696d\u4e5f\u9762\u81e8\u8457\u65b0\u7684\u8996\u91ce\u3002\n\u201c\u500b\u4eba\u6c7d\u8eca\u4fdd\u96aa\u5e02\u5834\u6b63\u5728\u7d93\u6b77\u4e00\u7cfb\u5217\u4e0d\u65b7\u64f4\u5927\u7684\u6311\u6230\uff0c\u5305\u62ec\u6574\u5408\u3001\u4e0d\u65b7\u767c\u5c55\u7684\u5206\u92b7\u7d50\u69cb\u548c\u7522\u54c1\u5546\u54c1\u5316\uff0c\u96a8\u8457\u6642\u9593\u7684\u63a8\u79fb\uff0c\u9019\u4e9b\u6311\u6230\u5f88\u53ef\u80fd\u6703\u91cd\u65b0\u5b9a\u7fa9\u696d\u52d9\uff0c\u201dConning \u4fdd\u96aa\u7814\u7a76\u7e3d\u76e3 <a href=\"https:\/\/www.carriermanagement.com\/news\/2018\/09\/16\/184225.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Alan Dobbins<\/a> \u8aaa\u3002 <\/p>\n\n<p>\u9059\u6e2c\u6c7d\u8eca\u4fdd\u96aa\u6709\u52a9\u65bc\u6eff\u8db3\u5ba2\u6236\u7684\u500b\u4eba\u5316\u9700\u6c42\u3001\u63a7\u5236\u98a8\u96aa\u548c\u63d0\u9ad8\u5b89\u5168\u6027\u3002\n\u901a\u904e\u9019\u6a23\u505a\uff0c\u8a72\u6280\u8853\u70ba\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u4e86\u4e00\u7a2e\u65b9\u5f0f\uff0c\u8b93\u4ed6\u5011\u6210\u70ba\u6c7d\u8eca\u884c\u696d\u8b8a\u5316\u7684\u4e00\u90e8\u5206\uff0c\u800c\u4e0d\u662f\u53d7\u5236\u65bc\u6c7d\u8eca\u884c\u696d\u7684\u8b8a\u5316\u3002 <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1a cheskyw\/\u00a9123RF.com\uff0c alphaspirit \/\u00a9123RF.com\uff0c scanrail\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>1996\u5e74\uff0cProgressive \u70ba\u5176\u300c\u7528\u65bc\u78ba\u5b9a\u4fdd\u96aa\u8cbb\u7528\u7684\u6a5f\u52d5\u8eca\u76e3\u63a7\u7cfb\u7d71\u300d\u7533\u8acb \u4e86\u5c08\u5229 \u3002 \u5c08\u5229\u4e2d\u63cf\u8ff0\u7684\u8a2d\u5099 [&hellip;]<\/p>\n","protected":false},"featured_media":6019,"template":"","insight-category":[],"class_list":["post-21168","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/21168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/6019"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=21168"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=21168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}