Distracted Driving - Swiss Re Groupa70294bf-e881-48ad-b988... · 2019-11-29 · Distracted driving is the act of driving while engaged in other activities (Wikipedia) There are three

EMEA Claims Conference | Rüschlikon, March 6th & 7th 2018 | Marion Villalobos, Constanze Brand

Distracted Driving

EMEA Claims Conference 2018

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EMEA Claims Conference | Rüschlikon, March 6th & 7th 2018 | Marion Villalobos, Constanze Brand 2

Distracted Driving: Definition and examples

Overview USA

Overview EMEA markets

Impact to the Insurance sector and solution approaches

Further challenges in the future

Discussion

Agenda


Distracted DrivingDefinitions and Examples

Marion Villalobos, Claims SpecialistConstanze Brand, Claims Expert

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Distracted driving is the act of driving while engaged in other activities(Wikipedia)

There are three main types of distraction:

Visual taking your eyes off the road

Manual taking your hands off the wheel

Cognitive taking your mind off of driving

Definition and Types of distraction

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Through distraction the response time extends dramatically:

Unimpaired: 0.54 seconds to brake

Legally drunk: add 4 feet (1.2 m)

Reading an e-mail: add 36 feet (14 m)

Sending a text: add 70 feet (21 m)

Interesting Facts – Did you know?

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Overview USA

Constanze Brand, Claims Expert

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• Largest increase of total auto deaths

• The National Transportation Safety Board has named distracted driving as one of the 10 most important safety issues to remedy

• 3.477 total deaths, 391.000 severe injuries due to distracted driving

• 78% of all distracted drivers have been texting while driving

• Drivers under age of 20 have highest proportion of distraction related fatal crashes

Facts & Figures USA (2015)

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USA: Distracted driving also contributed…since 2009, increases in cellphone-related outpaced overall rate by over 3.5x

8

0,8

0,9

1,0

1,1

1,2

1,3

1,4

1,5

1,6

2009 2010 2011 2012 2013 2014 2015

+14%

+51%

An

nu

al C

rash

es,

in

de

xed

to

20

09

ra

tes Cellphone-related Crashes

All Crashes

Cellphone-related crashes increased

51% over 2009 rates, over 3.5x

more than the all crashes over the

same period

Source: General Estimates System (GES)., Federal Highway Administration, Highway Statistics and Swiss Re analysis


Overview EMEA markets

Marion Villalobos, Claims SpecialistConstanze Brand, Claims Expert

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Europe FiguresFatalities and Fines for mobile use while driving

Source: Die Welt and ADAC e.V.

Source: Die Welt, ADAC 2017

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Registered accidents by police

Fatality Figures

German Statistics –Trend Development

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4.009 fatalities

3.600 fatalities

3.339 fatalities

3.206 fatalities

3.377 fatalities

3.459 fatalities

2011 2012 2013 2014 2015 2016

2.585.327

2.516.831

2.406.6852.414.0112.401.843

2.361.467


• 173.892: is the number of 2015 car accidents with bodily injuries, which have caused:

3.419 fatalities (+ 1,1%)

246.050 injured people

• 30% of car accidents - according to Police provisions - are caused (directly or indirectly) by the usage of smartphones:

2017 Traffic Laws code - Proposed amendment for cell phone misuse:

Driving license disqualification ranging from 15 days up to two months,

Fine ranging from €160 to 646, in addition:

Seizure and Scan of phone can be ordered by judge in case of accident

Italy

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• 1.878 road deaths, 24.200 seriously injureds = concerning increase of 4 % and 9 %

• Alarming rise in the number of smart phone use while driving

• Very concerning high number amongst professional drivers using their smartphone (app. 52 %)

• 1 in 6 male drivers under 25 has crashed due to mobile phone usage

• 1/3 under 25s with Facebook on their phone have used it whilst driving

• Very strict penalty system

United Kingdom (2016)

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• Derailment of a high speed train due to excessive speed on 24th July 2013

• 79 people died, more than 140 travellers were injured

• Cause: Excessive speed Due to the distraction of a colleague's call the driver ignored three audible warnings that should cause him to brake.Lessons learnt from this tragic event:

The Spanish railway company Renfe redesigned the rules on communication between train drivers, operations control center and the staff traveling on board the train and on the other service calls

Improvement of technical safety standards

Spain: Distracted Driving is not just about cars

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• 2015: Increase in number of deaths by 6 %

2014 2015

• Distraction while driving caused nearly 7,5 % of all death

• 450 people were seriously injured, 130 more than by alcohol

• Around 40% of the drivers used the phone while driving including using text messages

Switzerland

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Killed victims 243 253

Alcohol influence 24 30

Velocity influence 37 29

Distraction 18 19


Impact to the Insurance Sector and Solutions Approaches


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• Alarming rise in traffic fatalities especially involving young drivers worldwide

• Increase in severity in accidents and injuries

• Increasing economic loss involving health care and loss of productivity

• Less profit generated by motor insurance policies – strong pressure on rates

Countermeasures have to be taken to stop this negative trend

Impact to the Insurance Sector

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Countermeasures

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Driver training and education

Technology based countermeasures

Legislation

Publicity Campaigns

Regulation and graduated sanctions for the use of devices followed by strict enforcement

To identify and avoid driver distraction in the public, professional and private environment

To raise risk awareness, to change behaviour

Developments of less distracting communication systems, driver assistance technologies, rewarding systems


Swiss Re Coloride Mobile-AppCustomizable, engaging user interface and reliable data collection

Trip recording• Auto Start & Stop• Automatic Detection of Transport Mode• Data collection: GPS 1 Hz; Accelerometer 10Hz

Driver distraction detection

• Phone pickup-gesture• Un/locking phone• Touching of phone recognised and fed back to user via

message

Trip Mode Recognition

(TMR)

Combination of different sources• Activity Chip to recognise the mode of transport• Accelerometer data• Geo-Fencing to identify e.g. airports, train stations etc.• Optional: Bluetooth (Radio, Beacon, BLE) to identify the vehicle

Data and battery usage

• Avg. ~70 MB/month via GMS or Wi-Fi • 15% battery/24 hours (for approx. 1.5h daily driving)

Scoring • Score for Tariff (Risk-Score)• Gamification Scoring (User-Score)

Gamification

• Extensive intrinsic gamification concept with Levelling, Leaderboard, Community

• Collection of custom “currency“ (Collars)• Collaboration with Swiss Re Behavioural Economics to improve

effectiveness


Swiss Re Coloride Mobile-AppDriver distraction detection

Lock- / Unlock events

Creates event with timestamp on phone lock & unlock

1Pick-up gesture

Creates event with timestampon phone pick-up

2Screen on/off

Creates events with timestamp on “screen on” & “screen off”

3

Available on


Outlook


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Further challenges in the future

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Telematics

adoption &

usage based

insurance

Distracted driving

Premium

leakage & rate

adequacy

Plaintiff

attorney focus

on auto claims

Safety Innovation &

Autonomous

Vehicles

Stress in the

trucking

industry


We look forward to an interesting discussion!

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Legal notice

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©2018 Swiss Re. All rights reserved. You are not permitted to create any modifications or derivative works of this presentation or to use it for commercial or other public purposes without the prior written permission of Swiss Re.

The information and opinions contained in the presentation are provided as at the date of the presentation and are subject to change without notice. Although the information used was taken from reliable sources, Swiss Re does not accept any responsibility for the accuracy or comprehensiveness of the details given. All liability for the accuracy and completeness thereof or for any damage or loss resulting from the use of the information contained in this presentation is expressly excluded. Under no circumstances shall Swiss Re or its Group companies be liable for any financial or consequential loss relating to this presentation.

Documents

Distracted Driving - Swiss Re Groupa70294bf-e881-48ad-b988... · 2019-11-29 · Distracted driving is the act of driving while engaged in other activities (Wikipedia) There are three