IA en telemática de seguros y prueba de fijación de precios basada en el uso

Las respuestas y explicaciones aparecen a medida que realiza el cuestionario.

1. ¿Cuál es la principal diferencia entre el seguro de pago por conducción y el de pago por conducción?
   • Pay-as-you-drive uses cameras while pay-how-you-drive uses GPS
   • Pay-as-you-drive prices mainly on mileage, while pay-how-you-drive also scores driving behavior
   • Pay-as-you-drive is only for commercial fleets
   • Pay-how-you-drive ignores traditional rating factors entirely
2. ¿Cuál de estas NO es una señal telemática típica descrita en la guía?
   • Hard braking events
   • Time of day of trips
   • The music played during the trip
   • Total miles driven
3. ¿Por qué el grupo de conductores que se inscriben en un programa telemático podría estar más seguro incluso antes de que cualquier retroalimentación cambie el comportamiento?
   • Careful drivers are more likely to opt in, a self-selection effect
   • Insurers only allow drivers with no claims to join
   • Enrollment automatically lowers crash risk
   • The app disables phone use while driving
4. ¿Por qué una aplicación telemática basada en un teléfono estima la orientación del teléfono en relación con el coche?
   • To determine the phone's battery health
   • To detect which insurer the driver uses
   • To measure cabin temperature
   • To separate forward braking from side-to-side cornering
5. ¿Qué afirmación sobre los programas telemáticos es cierta según la guía?
   • They can only ever lower your premium
   • They have replaced age and vehicle as rating factors
   • Some insurers can raise rates for risky driving, and terms vary by company and state
   • They are illegal in every US state
6. What did reporting in 2024 reveal about connected-car data?
   • Cars had stopped collecting driving data
   • Some automakers had shared driving data with data brokers used by insurers
   • Insurers had banned the use of phone apps
   • All telematics data had been made public
7. How does the guide describe California's approach to usage-based pricing?
   • It allows rating on verified mileage but not on driving behavior
   • It requires every driver to use telematics
   • It only allows camera-based monitoring
   • It bans mileage from being used in pricing
8. Which fairness concern does the guide raise about behavior-based scoring?
   • Scores are always calculated by hand
   • Drivers cannot see their premium
   • Rural drivers never brake
   • Night-shift workers are penalized for hours they cannot choose