Étiquette : road safety estimation

Deep Changes in the Business of Car Insurance
Nexyad White Paper #3

« Deep changes in the business of car insurance.
Contribution of smartphone App SafetyNex in this global context. »

Version française

by NEXYAD
September 2016

1 – Role of the insurer
The insurance idea would have appeared on the occasion of the first great journey by boat, and the appearance of « modern » insurance is generally dated from the 19th century.
The principle of insurance is easy to understand : if accidents are rare (compared to the number of occurrences – travel, car trips, etc.), a simple and prudent idea then is to « put aside » a certain amount of money for each occurrence (which on average does not lead to an accident) and to use the money to repay the cost of the claim in case (rare) of accident.
One could imagine that individuals manage themselves each a « pot » of this type. Of course, even if an accident is rare, you never know when it happens and it may happen at any beginning of the process so that the pot is almost empty.
We could then easily make a common pot between several people, to smooth it : if three people make a common pot, it is unlikely that the three have an accident while starting hoarding. But… it is anyway possible. Although if the pot is conceived with hundreds of thousands of people there, you secure the problem of « instant » of the accident. This is the « law of large numbers », which allows a deterministic modeling of chance : the odds. It remains to define the amount of money to set aside each month for example (or each travel).
To handle this (a pot shared by hundreds of thousands of contributors, the estimated sum to put aside, etc…), it is obvious that it is necessary to have qualified personnel, sufficient… and finally, it happens naturally to the idea of the Insurance Company.

Read the entire paper

Modification profonde du métier de l’assurance auto
Nexyad Livre Blanc n°3

Modification profonde du métier de l’assurance auto.
Apport de l’App smartphone SafetyNex dans ce contexte global.

Par NEXYAD
Sept 2016

English translation

1 – Rôle de l’assureur

L’idée d’assurance serait apparue à l’occasion des premiers grands voyages maritimes, et l’apparition
« moderne » de l’assurance est généralement datée du 19ème siècle.
Le principe de l’assurance est le suivant : si les accidents sont rares (comparativement au nombre
d’occurrences : de voyages, de trajets automobile, etc.), une idée simple et prudente consiste alors à « mettre de côté » une certaine somme pour chaque occurrence (qui en moyenne ne conduit pas à un accident) de manière à utiliser cette somme pour rembourser le coût du sinistre en cas (rare) d’accident.
On pourrait imaginer que les particuliers gèrent eux-mêmes chacun une « cagnotte » de ce type. Bien sûr, même si un accident est rare, on ne sait jamais quand il arrive et il se peut qu’il arrive au tout début du processus si bien que la cagnotte est presque vide.
On peut alors facilement faire une cagnotte commune entre plusieurs personnes, pour lisser ce problème : si trois personnes font une cagnotte commune, il est peu probable que les trois
aient un accident au tout départ de la thésaurisation. Mais … c’est quand-même possible. On conçoit bien que si l’on construit la cagnotte avec plusieurs centaines de milliers de personnes, là
on a sécurisé le problème du « moment » de l’accident. C’est la loi des grands nombres qui permet d’utiliser une modélisation déterministe du hasard : les probabilités. Reste à définir le montant de la somme à mettre de côté, chaque mois par exemple (ou à chaque trajet).

Lire le livre blanc ici

Newsletter #11 is available

The Nexyad Automotive & Transportation Newsletter #11


SafetyNex the Driving Force of Nexyad Products


Headlines :

– Future Events
– Accident fatalities in Tesla car
– White paper « Vehicle Telematics, Measurement of Risk in Driving, Respect of Individual Freedoms »
– A scale model car to test ADAS
– SafetyNex available on App Store and Google Play Store end of october

Read the Newsletter

SafetyNex the Driving Force of Nexyad Onboard Products

NEXYAD Automotive & Transportation Newsletter #11, August the 24th, 2016



Headlines :

– Future Events

– Accident fatalities in Tesla car : NEXYAD modules might prevent accident.

– White paper « Vehicle Telematics, Measurement of Risk in Driving, Respect of Individual Privacy » (Auto Insurance and ADAS applications)

– A scale model car to test ADAS (ADAS validation)

– SafetyNex available on App Store and Google Play Store end of october



Future Events

NEXYAD at the Mondial de l’Automobile 2016, october 5th.

NEXYAD will be on Mondial de l’Automobile 2016 at Paris, october 5th invited by BMW on BMW booth.
After have been choosen as one of the three winners of BMW Techdate Challenge 2016.
Mondial Nexyad

Reminder : BMW Techdate wished to push ahead the french innovative high tech and identify new partners for technology matters. After a picky skimming, 20 startups were selected to present their project in front of a professional panel of Automotive, mobility, and connected car experts.
The quality of SafetyNex impressed the jury and the 9th june, BMW France announced Nexyad as part of the 3 winners of the first Techdate Challenge with Oridao and Sentryo.

BMW Techdate winner
Gérard Yahiaoui, Nexyad CEO

Reporter Stephane Soumier invited Serge Naudin CEO of BMW Group France and Gerard Yahiaoui CEO of Nexyad at « Good Morning Business » on the major french TV Channel BFM Business.

BFM Business
From left to right : Serge Naudin, Stéphane Soumier, Gérard Yahiaoui


NEXYAD will visit Automotive major companies in Germany

Four french competitive clusters, Mov’eo, ID4CAR, LUBT and Véhicule du futur organized a new mission for their members : The International Partnership Approach. NEXYAD will take part of it.

Onboard Systems for the Connected and Smart Car – 28th november / 1st december 2016

The delegation will visit BMW, AUDI, CONTINENTAL, DAIMLER, BOSCH, PORSCHE, and the University of Nuremberg… in the cities of Munich, Regensburg, Nuremberg and Stuttgart.
Mission Germany

More information here


NEXYAD at the next CES in Las Vegas 5-8 January, 2O17
CES 2017


All lights are green for SafetyNex App on Smartphone
Four french Insurance companies are currently testing SafetyNex.

Since end of june 2016, it is possible to ask NEXYAD for a test (30 days) of SafetyNex App on Android Smartphone.

Do not hesitate to request.
TRY IT !
SafetyNex for IOS (Iphone) will be available at the end of september.



Accident fatalities in Tesla car : NEXYAD modules might prevent accident.

Accident fatalities in a TESLA car might have been avoided by using software modules of NEXYAD : the time for monitoring circuit has come.
By NEXYAD

Processing circuit, informing auto-pilot systems, control, etc … from perception, data fusion, decision-making, and automatic control of actuators, are usually very well designed, and based on high-performance modules. But unfortunately, this is not enough to void the risk of accidents. Indeed, for the treatment of this risk, it lacks a parallel circuit (parallel and independent) called « monitoring » circuit.
To understand this need for a monitoring circuit, one must first understand the level of complexity of a road scene viewed from a camera.

The variability of road scenes is actually much more than what a normal person comes to imagine. Indeed, a color image, which has eight bits for each colors (then, 24-bit, as there are 3 colors) may encode 224 different color levels per pixel (more than 65,000 different possible values). HD video has more than 2 million pixels.
This means that the matrix of HD 8-bit color image may encode more than 65 0002 000 000 images !
This huge number is simply unimaginable.

Read the entire paper

Accidented Tesla
http://www.nextinpact.com/news/100804-accident-mortel-tesla-model-s-roulait-trop-vite-enquete-se-poursuit.htm



White paper « Vehicle Telematics, Measurement of Risk in Driving, Respect of Individual Privacy » (Auto Insurance and ADAS applications)

SafetyNex for Insurance

« Vehicle Telematics, measurement of risk in driving, respect of individual privacy » is the new white paper from Nexyad, which explains important points to check on a vehicle telematics application to assess the risk taken by the driver about his driving task.

The calculation of risk requires having contextualized data that are inherently confidential, personal, and therefore which must in no case be recorded on computer servers in a cloud as they contain, directly or indirectly, information about offenses (in France it is forbidden: by respect of the criminal code and rules CNIL).

Onboard-measurement-of-risk-of-accident-with-SafetyNet-real-time-risk-assessment.pdf



A scale model car to test ADAS (ADAS validation)

NEXYAD will use a scale model car for ADAS and driverless software modules testing & validation.

Nexyad built their own intelligent scale model of car integrating a camera and telecommunications to a PC running the RT-MAPS framework (by INTEMPORA).

Scale Model Car Nexyad

The PC runs real world detection software modules of NEXYAD into the framework RT-MAPS. Then the
scale model car can evoluate on a scale model landscape where it is easy to generate complex use cases
such as sun rising and other perturbations that are not easy to record in the real world and that are not that easy to simulate.

Beside, Nexyad built a testing and validation database that will represent thousands of million km of natural driving with the fewest number of vids as possible.
NB : this NEXYAD validation database will be available for free to every research and development team in the world on the NEXYAD web site.

Database

This database will be used by NEXYAD of course to test and validate their own software modules for ADAS and Driverless cars :
. RoadNex for road detection
. ObstaNex for obstacles detection
. ObstaNex BiCam for obstacles detection using 2 cams
. VisiNex for visibility measurement
. SafetyNex for real time onboard risk assessment

This database is the result of a advanced methodology published in the 90’s by Nexyad Founder. The methodology « AGENDA » allows to build and validate camera-based complex detection and recognition systems (for ADAS and driverless cars).
This methodology was recently re-published and presented in different symposiums in Europe to show exactly how it may be used by car manufacturers and their OEMs.



SafetyNex available on
App Store and Google Play Store end of october

SafetyNex One Pager

Interest for the driver :
. SafetyNex warns you when there is a danger ahead in function of your car speed (save your health or your life)
. SafetyNex warns you when your speed is over legal limitation (save your money and your driving licence)

Interest for Insurance Companies :
. SafetyNex provides qualified data as histogram of risk taken by the driver, eco driving score, statistics of usages, contingency tables, etc.

Interests for car manufacturers :
. SafetyNex can be used as ADAS for customers
. SafetyNex gives the risk taken by the robot driver of future Autonomous Car

AVAILABLE END OF OCTOBER ON :
Stores

More information

In-Car Sensors Put Insurers In The Driver’s Seat

By Teresa Meek

Jeff Branson, the police chief of Mattoon, Ill., has been tracking a lead-footed driver for nearly two years.

A couple of times, he’s caught the guy doing 70 in a 55. He’s confiscated the vehicle twice but never issued a ticket.

The speed demon just happens to be his 18-year-old son Chase. Branson monitors his son’s driving habits with a device provided by auto insurance provider State Farm that plugs into the car’s data port and collects information on mileage, braking, turns, acceleration, and what time of day Chase is driving. The device uploads the data to the company, which uses it to rate drivers and offer them a possible discount under the company’s “Drive Safe & Save” program. Information about Chase’s specific location and speed is sent to Branson through an optional monitoring program associated with the device but is not sent to the insurance company.

In-car sensors, or telematics, have become business as usual for major auto insurance carriers like State Farm, Progressive PGR +0.00% and Allstate ALL +0.00%, which say customers appreciate the opportunity to review their performance online and receive discounts on their insurance. The palm-sized devices plug into a car’s data port, the same spot mechanics use for vehicle diagnostics. (All cars made since 1996 have the ports.) The devices record information about mileage and speed, which is then used to calculate data about acceleration and braking trends. Some systems also have GPS capability that is relayed to insurance companies for research purposes — or to owners like Branson who opt for driver monitoring.

to read more : http://www.nexyad-adas.com/archives/2016/01/13/33197670.html