It has been for a long time to use big data of autonomous vehicles for perception, prediction, planning, and control of driving. Naturally, it is increasingly questioned why not using this big data for risk management and actuarial modeling. This article examines the emerging technical difficulties, new ideas, and methods of risk modeling under autonomous driving scenarios. Compared with the traditional risk model, the novel model is more consistent with the real road traffic and driving safety performance. More importantly, it provides technical feasibility for realizing risk assessment and car insurance pricing under a computer simulation environment.
翻译:长期以来,一直使用自主车辆的大数据来认识、预测、规划和控制驾驶;自然,人们越来越质疑为何不使用这一大数据来进行风险管理和精算模型;本条审查了在自主驾驶情况下新出现的技术困难、新想法和风险模型方法;与传统风险模型相比,新模式更符合真正的道路交通和驾驶安全性能;更重要的是,它为在计算机模拟环境下实现风险评估和汽车保险定价提供了技术可行性。