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– Aioi Nissay Dowa Insurance and Toyota Develop Telematic Damage Service System, an Accident Response Service Using Connected Car Data
Minapim by Hernan Valenzuela: Toyota Motor Corporation (Toyota) and Aioi Nissay Dowa Insurance Co., Ltd. of the MS&AD Insurance Group (Aioi Nissay Dowa Insurance) have jointly developed the Telematics Damage Service System. an accident that uses driving data acquired from connected cars to allow viewing of driving conditions such as driving route and driving behavior at the time of an accident, and uses AI for advanced accident detection. The Service will be available from March 2020 on Toyota and Lexus branded connected cars, with supported models expanding in stages.
As a result of recent advances in car-related technologies and other areas, it has become possible to collect and use data from connected car vehicles and provide new mobility services. Toyota and Aioi Nissay Dowa Insurance jointly developed Japan’s first car telematics insurance, “TOUGH Connecting Car Insurance”, which reflects driving behavior, offering services such as safe driving support and premium discounts for insurance based on driving data acquired from connected cars.
Service Details
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Driving route mapping and driving behavior visualization
Mapping the driving route according to driving data based on information gained from a connected car and viewing vehicle data related to throttle operating status, brake pedal, shift position and steering wheel as well as the operating status of Various devices, including indicators and safety equipment, can reduce customer charges to explain the accident and the circumstances of the accident, which could lead to a quick resolution of the accident.
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Accident detection using AI
Real-Time Emergency Support, which contacts the customer to confirm customer safety in an Automatic Reporting Center and takes action when a serious collision is detected, has been complemented with an accident detection function that uses IA This function uses an algorithm developed by Aioi Nissay Dowa Insurance. This algorithm utilizes machine learning using telematic-installed vehicle accident data and collision data acquired by the crash test. This makes it possible to properly recognize the occurrence of accidents and the location of the accident, and to respond promptly to accidents.
Accession
In November 2019, more than 25,000 customers enrolled in “TOUGH Connecting Car Insurance” Compared to Aioi Nissay Dowa Insurance’s “TOUGH Vehicle Insurance” customers, another auto insurance product, the accident rate is about 30% lower, confirming the effects of accident reduction.
In addition to the above-mentioned accident reduction efforts, Toyota and Aioi Nissay Dowa Insurance have jointly developed the telematics system to provide prompt and appropriate accident resolution in case a customer is involved in an accident.
Previously, the response to the accident was conducted by reaching a private agreement through negotiation regarding negligence with the other party to the accident, based on information collected from the customer by telephone and by written interactions.
The Service makes use of driving data acquired from connected Toyota cars, enabling insurers to accurately and objectively check accident conditions. As a result, the burden of insurance claim procedures can be greatly reduced.
In addition, customers have access to the “Sou ZIDAN” service, Aioi Nissay Dowa Insurance, 24 hours a day, 365 days a day, and Toyota connected cars can connect to Aioi Nissay Dowa Insurance at any time in response. immediate accident.
Source: Toyota Motors
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