Author(s)

Xiaoli Wang

Corresponding Author

Xiaoli Wang

Abstract

With the in-depth development of intelligent driving and UBI mode in the field of new energy auto insurance, related research is of great significance to the industry reform. This article focuses on intelligent driving and new energy auto insurance under UBI mode. Firstly, it expounds the theoretical basis of intelligent driving, UBI mode and new energy auto insurance, and analyzes the relationship among them. Then, it analyzes the challenges brought by the uncertainty of intelligent driving technology, the data problem of UBI model, product design pricing and operation service to new energy auto insurance. These include difficulties in risk assessment, data collection and privacy protection. Futhermore, this article puts forward corresponding innovation strategies by constructing multi-dimensional risk assessment system and integrating data pricing model, including innovative risk assessment ideas and designing products to meet new needs. The research shows that insurance companies need to actively respond to these changes and adopt innovative strategies to better adapt to the new environment and promote the healthy development of new energy auto insurance industry.

Keywords

Intelligent Driving; UBI Mode; New Energy Auto Insurance; Risk Assessment; Innovation Strategy