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telematics 2014 Stop the Carnage1 Million Dead 20 Million Injured Telematics Can Stop The Carnage

The Black Box Telematics War time to Stop The Carnage

(Reuters) – At least 150,000 people have been killed in Syria’s three-year-old civil war, a third of them civilians, the Syrian Observatory for Human Rights said.

How terrible, we see it in the news, regular reports from the front line. However, in the same three years over 3,000,000 people have been killed in another war. The war between people and cars, 3 Million dead and have you seen one report about it?

Are you aware that globally there are 1.2 million deaths and between 20 and 40 million casualties as the result of road traffic accidents each year.

police knock doorIn the UK alone this means that more than 20,000 people a year will get a knock at the door informing them that their mother, father, husband, wife, son, daughter, grandparent or one of their relations have been either been killed  or seriously injured in another needless road traffic accident. (It could be YOUR mother, father, husband, wife, son, daughter, grandparent) Killed by someone who was incompetent and needs to be re-educated to drive safely or someone who thinks that they are above the law and can drive as they wish, when and where they wish.

These people can be educated, these people can have their behaviour controlled, they can be made to conform. The technology is there to do it, it is within reach to create a system using telematics technology to ensure that every driver no matter who they are, no matter where they are, can be made to be the safest, most fuel efficient driver that they can be. The technology is there but the will is not. At least not yet, not by the Government, not by the insurers and not by motor manufacturers. There are individual companies who are closing in on developing systems that will make this happen and Google have just announced the Open Automotive Alliance which is expected to make it easier for mobile app designers to design apps that work across the whole market. However, there is no cohesive strategy between all of these interested parties to roll out a system that can be used globally to reduce these horrendous death and injury statistics.

The Open Automotive Alliance is expected to make it easier for mobile app designers to transition to the automotive space and design individual apps that work across the automotive segment. – See more at: http://analysis.telematicsupdate.com/other/weekly-brief-let-automotive-app-wars-begin#sthash.gENWdKPJ.fD7lxdDB.dpuf

Do you think that it is going to be of comfort to any of the nearly two thousand families in the United Kingdom this year who will suffer the tragedy of one of their members dying?

Do you think that it is going to be comforting to know that the Government of this country is too frightened to promote a life saving technology for fear of being classed as a “big brother” Orwellian state.

The government cannot even ensure that this technology is regulated. At the moment there is no set standard for telematics data collection, meaning that each insurer has their own way of collecting data and interpreting it.

Are you aware that telematics could be the solution?

It is estimated that 90% of all vehicular accidents are human error, this can be controlled with black box telematics insurance.

Are you aware that there is no cohesive strategy do deal with this problem?

The UK Government seems to be adopting a lets wait and see attitude towards black box insurance, they seem happy to let providers test the waters to see the general public’s reaction before they commit to any action for fear that they will be seen as enforcing some big brother technology on unsuspecting drivers.

Indeed in a recent report

The proposals come from the Transport Research Laboratory which it claims is “creating the future of transport”.

DoT The Black Box Insurance ConspiracyThe report recommends that that the DfT:

  • Take a reasonably neutral approach to black box insurance
  • Discourage insurance companies from introducing black box technology unless there are substantial cost savings for young people.

 

But to:

“emphasise the opportunity for black box insurance to make the learning to drive process interactive and personalised – using mobile apps.”

 

The report suggests that the risk to the DfT of  supporting Black Box Insurance are that it could create negative government perceptions.

 

  • Could be seen as supporting Insurance companies
  • Could be viewed as encouraging “big brother” surveillance
  • Issues arising with new technology could create negative impact

 

 What is this Luddite approach to new technology all about? 

When is the Government going to take control of the situation, regulate and promote the introduction of this live saving technology?

The standardisation of telematics scoring would enable the department of transport to issue a rating system that insurers would have to recognise. This would enable a system to be created that could be universally recognised and implemented across the world whether it be through smartphone apps or directly installed black boxes by insurance companies and this would enable a dramatic reduction in theses figures.

 

If you think that I exaggerate the impact of these horrendous statistics the excellent infograph below provided by the Floow graphically highlights the problem

Floow Telematics Road Safety Infographic

Telematics UpdateThis May the biggest European Telematics conference will take place and over 500 of the industry’s top executives will attend. What they talk about and the decisions that they make could dramatically change car insurance and affect the way that you drive forever.

This will be the largest gathering of expert black box insurance and telematics speakers and executive level audience from across Europe

Black box telematics insurance is still in it’s infancy and if it is allowed to grow and mature it has to be nurtured by intelligent, perceptive and visionary minds who understand the benefits that this technology can not only bring to car insurance but humanity in general.

It can reduce the untenable carnage that occurs annually all over the planet.

The people at this conference have some key decisions to make.

What Key Decisions Need To Be Made?

The decisions that need to be made are regarding the future of telematics insurance, such as;

  • They have to agree on a universally acceptable form of data collection that allows OEM’s and the general public to collect and share driving scores between insurers. They will have to reach a data standWhat is the Problem Insurance Telematics Europe 2014 YOUR Fate Decided Hereard that will enable consumer flexibility to change providers
  • They have to address the general public’s privacy concerns by open and transparent communication.
  • They have to eliminate any security issues or threats and concerns that their customer may have.
  • They have to agree on definitive roles for smartphone and direct installation.
  • They have to revolutionise the relationship between insurer and consumer, and determine the impact this will have on the traditional car insurance market
  • They have to agree to a standard that enables all providers to utilise “Cloud Technology” to adapt telematics solutions and deliver lightning fast data transfer and analytics for real-time driver feedback
  • They have to agree to a unified approach to promoting and educating the public as to the benefits of telematics insurance via national media campaigns.

The decisions made at this conference will affect the future of drivers worldwide, they will affect the decisions of Governments across the planet and the decisions that are made could save the lives of millions now and in the future. Let us hope these decision makers understand the importance of the task that lies ahead of them and are able to make the right decisions, decisions that will help protect and save humanity and not decisions based on the profitability of  their venture. Such an attitude would debase the potential life saving technology that is Black Box Insurance.

I believe the technology is already here to revolutionise insurance, I envisage a system that will be accessible to all and will enable every driver to be the best safest and most fuel efficient driver that they can be. It just needs all parties who have an interest in this sector to work together and collaborate for the greater good of humanity.

I recently had a conversation with Aldo Montforte CEO of the Floow about it.Aldo Monteforte

I asked him about a system that I envisaged and whether it would be possible to develop such a system.
 
“I told him that I envisaged that within the next 5 years that black box will have changed so radically that it will become eagerly accepted by all sensible drivers.
I am wondering if the technology is in place to introduce the type of system that I envisage.
Every motorway, road, street and lane in the UK has a “mean driving line”. That is an imaginary line on the road that represents the safest place  to be on that road at the appropriate speed that is indicated for that section of road.
Every car could be equipped with a black box green line tracker that as you travel along the road monitors your speed and assesses it against this mean driving line, if your speed is too fast for that section the green line that is in shown as a head up display on your windscreen will begin to change from green to amber and should your speed increase the line will change from amber to red.
Similarly if you move too far off the line in either direction be it left or right the line will thicken on the side that you are erring on and turn amber and again onto read if dangerously so. This head up display will be visible on your windscreen therefore not only will you be able to see it, your passengers will as will other road users and pedestrians.
This green line would ensure that all drivers have to adhere to the speed and conditions for the road and would be a deterrent to speeding for many. Who would want to be driving around with a big thick red line on their windscreen indicating how poor a driver they are?
Similarly if you are too slow a driver the green line will indicate that you have to speed up to match the road conditions.
This is how I envisage black box insurance in the future, not as the private domain of insurers judging each driver on which ever criteria that they choose to use for their monitoring system, but a universal globally recognised system that assists, educates and trains drivers to be the best driver that they can be.
Black Box Green Line could be normal everyday driving aid as useful as your speedometer that assists you in maintaining an optimally fuel efficient economical driving speed that ensures the safety of yourself, your passengers and other road users. The fact that it is linked to your insurance company is irrelevant as all cars will be linked, it will simply indicate to your insurance company that you conform to best driving practice.
Would it be possible to create such a system?”
Aldo’s reply was.
 
I think this is a beautiful idea, for which the required, enabling data are already becoming available, in large part from technologies like those we are developing at The Floow .  For example, one of the uses we make of driving data we gather  is to develop a very detailed understanding of how people travel across the country, particularly in terms of speed at any given point and time on the road infrastructure.  By regressing this data against insurers actual claims, we can infer what speed and other behavioural profiles are the most dangerous.
However, in my opinion, the challenge of the specific embodiment you have imagined lies in bringing the required alerts to the attention of the driver.  You are in fact describing “real time” alerts which may be critical in two ways:
1) The “display on the windscreen” need to be installed either by the vehicle manufacturer or by a professional installer.  I do not see the manufacturers moving in this direction anytime soon.  Their main concern is with the economics of the vehicle and the less gadgets (clearly with the exception of the most expensive vehicles) the better.
2) Real time alerts are viewed with suspicion by driving experts (like for example our Chief Education Officer, dr. Lisa Dorn) because they can cause distraction.  Some thinking would be required to find the type of man-machine interface that delivers the best informational result without the risk of distraction.
However, drivers can be educated after each journey by delivering information that reconstruct their behaviour and highlights what happened that might have been conducive to an accident (aggressive driving, distraction, etc).
In essence, my reaction to your note is the data is there and will be increasingly available to build the body of knowledge you are envisaging.  There may be different ways in which the required feedback can be brought to the attention of drivers.
Thank you again for the great work with your blog www.blackboxinsurancereviews.com

Aldo Agrees

Aldo agrees with me, the technology is there already and there are some concerns that have to be addressed. I feel that they have been already and it is just the lack of collaboration that is not bringing all the necessary people together to make it happen. The problem with real time alerts and display on the windscreen have already been solve by BMW’s fantastic head up display system.
BMW Head Up DisplayThis system shows that it is possible, you can see the idea that I have in mind in the picture to your left. It will just take all of these people to overcome their vested interests and see the greater good that there is in collaboration, it will just take some clever minds to put it all together and make it work. It could be the key to once and for all solving the problem that prevents this technology from being rolled out. If it were to be developed and were a system created that could be accepted universally, it would open the door to creating an automotive system that not only served the needs of manufacturers by allowing them to offer a car that can educate it’s driver to be the safest most fuel efficient driver that they can be, it will solve the problem of insurers being responsible for constantly monitoring drivers and issuing individual driver scores.
At present insurers are responsible for collecting your driving data and using this data to score you. If the Black Box Green Line system were to be adopted, your score would be calculated by your car (all cars would use the same algorithm to collect data ensuring fairness) and the score that you receive will be accepted by all insurance companies, your data would be collected and stored in your personal insurance cloud. The only thing that you would need to share with your insurance company is your driving score, in the event of an accident or incident the data required to provide information to prove your innocence could be requested from you by the insurance company. This would prevent resistance to the system from people who had privacy concerns.
This will stop all of the privacy concerns, the big brother and conspiracy theorists believing that they are under scrutiny.
There is nothing stopping this technology from being created bar the will. I would like to seeHead Up Display a unified push towards this technology rather than the fragmented, insular approach that there seems to be about telematics insurance at present. There are already many clever individuals and companies working on solving this problem, however it is going to a concerted effort to get them to overcome their natural suspicion of each other and their need to protect their technological intellectual property rights. This is not the way forward, all of this technology should be openly shared in order that the best system can be created by all for all. A system that is universally accepted by all and will work for all to lessen the catastrophic effect that that the horrendous death and injury statistics have on the planet.
The only way for that to happen is to show that there is an overwhelming desire for them to produce such a system and the only way that it can be done is by utilising the power of the internet to highlight the need.
Never before has it been so easy for an individual to make a difference, to actually influence decision makers, to change history, to change the planet.
You can make the difference. You can influence the people concerned, you can show the heads of the car insurance companies, the car manufacturing industry, and whoever needs to know that you have had enough of the carnage and want things to change. You can do this by doing two things, one you can vote in our poll, two you can share this post with your friends, family and work colleagues.
Happy jumping peopleThe more of you who do this the louder your voice will grow. No matter where you are in the world you can have your say, you can share, tweet, like or whatever takes your fancy. This technology affects you, these horrendous death statistics affect you, no matter where you are in the world people are dying on a road near you and only you can stop it.
By sharing and by voting you can enable the technology to save those lives to be implemented sooner rather than later and sooner the better. We now all know of the 1.2 million poor souls who have lost their lives in the past year and this will continue year after year unless YOU do something about it. Who knows, this year it could be YOU, you could become one of the 1.2 million, you or one of your family.

Black Box Telematics Insurance is coming.

Black box telematics insurance is coming of that there is no doubt. How long it will take and what form it will take is still unsure. What is sure though, is that unless everyone concerned, everyone with a vested interest in ensuring that this life saving technology is properly standardised, regulated and implemented in a timely fashion and that includes you. It will be a long time before a truly global solution to the problem is reached.
YOU can do your part, you can vote in the poll below, you can let the people responsible for this new technology  know that you are ready and willing to accept this new technology if they can work together to present a system that is proven to be transparent, safe and secure and that will help drivers and reduce these statistics.

Are You For Black Box Technology?

70% of our followers are for black box, they know that this life saving technology needs to be introduced, do you?

[polldaddy poll=”6565776″]
You can do you part by sharing this post or leaving a comment in the section below. We are looking to reach our target of 1.2 million retweets, one for each life that will be lost this year. Show you care, lets draw attention to this issue, please help stop the carnage.
1Million Dead 20Million Injured can you afford not to care? Do your bit, spread the word, share the facts, the technology is there, lives can be saved, you just need to make the effort, you just need to care.
telematics 2014 Stop the Carnage

Make an effort, share the page, spread the word, we can all help Stop the Carnage.

It only takes a click.
Thank you for reading 1Million Dead 20Million Injured Telematics Can Stop The Carnage

 

The Open Automotive Alliance is expected to make it easier for mobile app designers to transition to the automotive space and design individual apps that work across the automotive segment. – See more at: http://analysis.telematicsupdate.com/other/weekly-brief-let-automotive-app-wars-begin#sthash.gENWdKPJ.fD7lxdDB.dpuf

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