In the OBD insurance mode, the maximum value achieved mainly through OBD vehicle monitoring lies. Its meaning is more like a car black box, with the help of the owners driving habits, mileage and other key information with the real-time control to achieve premium rate difference, if there is an accident, the insurance company can understand the dangerous condition of the equipment before the vehicle accident running, determine responsibility for the accident. For large quantities, can provide customers with fast access to model driving behavior, the insurance company may take a free way to promote vehicle OBD, combined with advertising and marketing value-added model.
Until today, did not appear "Paul T" the first case in the true sense. Why is it so difficult hand? After all, the reason for not touched upon is difficult for you to meet the core needs of the other side!
Car OBD auto insurance industry to bring how to give practical benefits? Insurance companies need in the end is what kind of data? Based on the difference auto insurance rates to achieve the purpose of the reform, insurance companies require at least the following three types of data:
1, obtained by G-sensor data
G-sensor, the English name Gravity-sensor, acceleration sensor is meant, it is a special high-tech components, can perceive changes in acceleration, acceleration is when the role of the object during acceleration forces on the object, such as shaking, falling, rising, falling and other mobile G-sensor changes can be perceived.
By G-sensor, accelerometer can monitor vehicle owners involved in bad driving habits, such as braking, rapid acceleration and sharp turns, accidents also can manage the process. In the event of a collision, in order to prevent potentially fraudulent, insurance companies need accurate ruled an accident from which direction the vehicle is hit, whether the comic impact within milliseconds, repeated impact, whether tumbling after impact? By the acceleration and direction changes can be determined whether a collision, the impact from the front or from behind. With these data indicate that these processes are real accident occurred.
2, Can-bus protocol cracked read information
For the insurance company, you want to get to the impact of auto insurance payment data, you must also master the owners of bad driving habits, such as "cornering lights do not fight, do not pull the handbrake in the car, lock the car does not close the window closed, not wearing a seatbelt ...... "and so forth, OBD diagnostic trouble codes ordinary unable to provide, more is needed to break the original car's proprietary protocol.
Bus on many types of vehicles, such as high as 500kpbs speed Canbus, or low-speed 100kbps Canbus, there are other K-line, VPW, PWM, etc., system objects connected not only with the engine ECU, ABSECU, SRSECU, instrument cluster, etc. , including centralized control locks, power windows, mirrors, lights and other car inside; there may also have intelligent communication system for satellite navigation.
Throughout the body by the sensor, various vehicle traveling data is sent to the "bus", these data do not specify a unique receiver, all the data receiving side needs to have the required information can be read from the "bus" . In other words, you can get to by Canbus include "door windows, lights, brakes, gears, air conditioning, radar, ignition, flame, speed, fuel consumption, safety belt" and other information with the state, but because of the protection of the depot this part of the car belonging to a proprietary protocol data requires an illegal break. The workload is very large, the need for each model of each car brand even do development. But even that got the data must also bear a very big legal risk.
3, the information acquired by the GPS
A normal commuting daily on the city's A owners and a walking tour route daily in Yunnan B owner, the higher the risk of lower? Glance evident. In the course of the accident, the owner at what time, what place concrete collided, to be accurate to people, things, conduct accident payment management, insurance companies need to obtain location information through GPS data and mileage of the vehicle. Obviously, this part of the information is not necessarily in order to get through the OBD interface. Common GPS can calculate mileage and obtain location information, and data through the OBD interface than the "average speed * travel time" mileage calculations are more accurate, error basically controlled within 5%.
From the bottom: the data behind the gorgeous pit father
The above data needed for the insurance companies, the current OBD Can not achieved? Yes, of course! Universal OBD not do nothing, but careful scrutiny, you will find all sorts of data pits father behind these gorgeous:
(1) Fault code data value just like chicken
As already mentioned, OBD-II main function is to provide diagnostic trouble codes, when failure occurs emissions, ECU fault information and records related code, and a warning through the fault lights. Generally speaking, OBD2 trouble codes by a letter and four digits. As shown in the picture below, the majority of OBD manufacturers can only get to "PO/P2/P3400-P3FFF generic fault code information, the other for car manufacturers custom fault code information, and only to the original diagnosis., For example in terms of Volkswagen car the whole car has 15,000 fault codes, and generic fault codes less than 3000, accounting for only one-fifth of the vehicle can not meet the diagnostic requirements.
In fact, most of the generic fault code information is of little significance for the owner, or to the public generic fault codes, for example, "P0001 representative of the amount of fuel regulator control circuit / open, P025A representative of the fuel pump module control circuit / open circuit, P0103 a representative of the air flow sensor circuit high ...... "is not it a bit being around dizzy? In general, is to detect include power systems, chassis systems, communication systems, body systems part of common faults. This information is for the safety of the vehicle does not have any influence, real-time fault will be displayed on the dashboard, such as air bags, seat belts, high water temperature and other issues will directly reminder. When these data are not driven cold passion owners used the occasion just like chicken, but also to attract what about the insurance companies?
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