Insurers To Use Mobile Phones To Track

A new usage-based insurance (UBI) software platform will enable insurers to track drivers’ behavior through smartphone sensors and geolocation services.

Agero, one of the nation’s largest suppliers of roadside safety software and services to automakers and insurance companies, said its new UBI telematics suite will transmit to insurers the information needed to offer discounts to good drivers, penalize others, and send alerts to emergency assistance service providers.

The UBI suite consists of the PolicyPal app, which tracks driving habits in real time, and Auto Crash Notification (ACN), which automatically notifies emergency services within moments of an accident.

Currently, State Farm’s In-Drive and Progressive’s Snapshot program, offer customers the opportunity to voluntarily participate in programs in which their insurer collects vehicle data and uses the information to determine driving habits, which in turn can be used to offer lower-rate incentives to safer operators.

Unlike Agero’s new platform, however, In-Drive and Snapshot, use a small data collection device that plugs into a vehicle’s standard OBDII onboard diagnostics port under the dashboard and transmits data from a car’s central computer to insurance companies.

Agero’s new mobile suite will greatly expand upon the universe of consumers who can vie for “discount rates” based on their driving profiles. The mobile device also travels with them in or out of the vehicle.

Over the past decade, the insurance industry has been embroiled in a heated price war, with companies vying to be king of the heap for discount pricing.

“It’s becoming a cutthroat market. They’re competing on price,” said Jeff Blecher, senior vice president of strategy at Medford, Mass.-based Agero. “To break that mold, they need a new business model. UBI does that. Now, they can compete based on the risk profile of drivers.”

UBI offers the insurance industry new opportunities for tailored discount programs. Notably, they can switch from relying OBDII dongles plugged into the customer’s car and instead use mobile apps that travel with the driver, whether he’s traveling in his own car or another vehicle.

“We want to align our strategy… with the smartphone as primary data collection point,” Blecher said.

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Blackberry Goes Infotainment

Blackberry’s QNX Software Systems has announced a partnership that will allow its infotainment system to be placed in car’s digital instrument clusters.

The technology will allow drivers to see their music lists and album art, turn-by-turn navigation directions and local news in between instruments such as the speedometer and tachometer.

BlackBerry announced its collaboration with Rightware, a maker of automotiveuser interface design tools, at the Telematics Detroit show here. The collaboration combines the QNX Neutrino operating system and the Rightware Kanzi user interface.

QNX demonstrated the instrument cluster in a Mercedes-Benz concept car. The system also uses MirrorLink, an industry standard for the integration ofsmartphones into infotainment systems. The system is able to mirror Android-based smartphones to both the infotainment center on the console and the instrument cluster display.

With the MirrorLink connection, the instrument cluster can display realtime information, such as local speed limits, turn-by-turn directions, traffic reports and incoming phone calls. Because the cluster is fully digital, it can dynamically change views, highlighting the most important information and using advanced visualizations to help the driver process information more quickly.

“QNX Software Systems and Rightware have already worked together on successful production programs, including the exciting new Audi virtual cockpit,” said Peter McCarthy, director of global alliances for QNX.

With the Kanzi software, developers can create UIs with photorealistic, real-time 2D and 3D graphics. The QNX OS enables the Kanzi UI to access vehicle data and services, including navigation, multimedia, speed, RPM, and car diagnostics. It essentially provides an abstraction layer based on QNX’s persistent publish/subscribe (PPS) technology.

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