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2024-12-09

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cc-by (c) Sun, S. et al., 2024
Please use this identifier to cite or link to this item: https://hdl.handle.net/2445/219126

Determining Driving Risk Factors from Near-Miss Events in Telematics Data Using Histogram-Based Gradient Boosting Regressors

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https://doi.org/10.3390/jtaer19040169

Abstract

This study introduces a novel method for driving risk assessment based on the analysis of near-miss events captured in telematics data. Near-miss events, which are highly correlated with accidents, are employed as proxies for accident prediction. This research employs histogram-based gradient boosting regressors (HGBRs) for the analysis of telematics data, with comparisons made across datasets from China and Spain. The results presented in this paper demonstrate that HGBR outperforms conventional generalized linear models, such as Poisson regression and negative binomial regression, in predicting driving risks. Furthermore, the findings suggest that near-miss events could serve as a substitute for traditional claims in calculating insurance premiums. It can be seen that the machine learning algorithm offers the prospect of more accurate risk assessments and insurance pricing.

Subject

Assegurances d'automòbils, Risc (Assegurances), Models lineals (Estadística), Telemàtica

Subject (English)

Automobile insurance, Risk (Insurance), Linear models (Statistics), Telematics

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Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)

Citation

SUN, Shuai, et al. Determining Driving Risk Factors from Near-Miss Events in Telematics Data Using Histogram-Based Gradient Boosting Regressors. Journal Of Theoretical And Applied Electronic Commerce Research. 2024. Vol. 19, num. 4, pags. 3477-3497. ISSN 0718-1876. [consulted: 11 of August of 2026]. Available at: https://hdl.handle.net/2445/219126

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