Momwe ma inshuwaransi amagalimoto angagwiritsire ntchito UBI kulumikizana ndi madalaivala

kusintha kodziyendetsa; Kusintha koyendetsedwa ndi COVID pamayendedwe apaulendo; Kuzindikira komwe kumakhudza chilengedwe chamakampani opanga magalimoto – zonsezi zikuyendetsa machitidwe atsopano mu gawo lamagalimoto komanso pakati pa madalaivala okha.

Mwachilengedwe, inshuwaransi yagalimoto idayenera kusinthanso mayendedwe.

Makampani a inshuwaransi yamagalimoto tsopano akuyenera kukhala okhazikika pakati pa zomwe makasitomala amayembekeza ndikutsatira m’badwo watsopano wamadalaivala anzeru.

Kuti tithane ndi zovuta zomwe zikuchitikazi, ukadaulo waposachedwa komanso mitundu yamitengo iyenera kuthandizidwa ndikusinthidwa ndikuganizira za tsogolo lalitali la inshuwaransi yamagalimoto.

Kufunika kopeza ndalama zonse
Njira imodzi yomwe ikukula mwachangu ya inshuwaransi yamagalimoto ndi inshuwaransi yogwiritsa ntchito, ndondomeko yomwe imalola ma inshuwaransi kuti azitha kugawana nawo ndikukulitsa makasitomala awo.

M’mabungwe a inshuwaransi achikhalidwe, mbiri ya ndondomeko zimadalira kuchuluka kwa chiwopsezo chobwera ndi mwini wake.

UBI imasiyana ndi njira zoyezera zomwe zakhazikitsidwa m’njira yovuta: maakaunti a UBI amawerengeranso zoopsa, koma phatikizani ziwopsezo ndi mtunda woyendetsedwa ndi wogwiritsa ntchito. Madalaivala omwe amayendetsa pang’ono amangolipidwa ndalama zochepa kuposa momwe akanakhalira chifukwa sangachite ngozi ndikupereka chiwongola dzanja. Izi zimalola ma inshuwaransi kulipiritsa madalaivala omwe amathera nthawi yochulukirapo akuyendetsa gudumu, pomwe omwe amayendetsa pang’ono samalipira zambiri kwa maola osagwira ntchito.

Malingaliro a universal basic income (UBI) ayamba moyo watsopano pomwe kukwera kwa mitengo kukupitilira kukweza mtengo wa inshuwaransi yamagalimoto ndipo ogula amapita kutali kuti apeze zosankha zotsika mtengo. Pamene nyengo yozizira ikuyandikira ndipo ogula akufunafuna mpumulo pakukwera kwamphamvu kwamagetsi, UBI ikukula kale kutchuka ngati njira yopulumutsira – 1 ku 5 Zina mwazinthu zotsika mtengo za inshuwaransi yamagalimoto ndizochokera kumakampani a inshuwaransi omwe amagwiritsa ntchito ukadaulo wa telematics.

Ku UK, UBI yakwanitsa kusintha msika wa madalaivala achichepere, osati pongopanga inshuwaransi yagalimoto kukhala yotsika mtengo (nthawi zambiri kuposa theka la mtengo wanthawi zonse), koma popereka umboni wowerengera kuti kuchuluka kwa kuvulala koopsa chifukwa cha ngozi kwatsika ndi kuposa. Gawo lachitatu la anthu amsinkhu uwu.

Kodi ndalama zapadziko lonse lapansi zimagwira ntchito bwanji?
UBI imadalira kugwiritsa ntchito ma telematics – masensa ophatikizika omwe amatumiza deta kuchokera pamsewu kupita ku inshuwaransi, kuwalola kupanga ndondomeko zopangidwira magalimoto kapena madalaivala. Zida zofananazi zakhala zikugwiritsidwa ntchito m’mbuyomu kujambula khalidwe la dalaivala pogwiritsa ntchito chipangizo chotchedwa black box, chomwe chimayikidwa m’galimoto.

Mapulogalamuwa amatsegula njira yosinthira ku mapulani a UBI, chifukwa safunanso kuyika zida zapadera – zomwe zimatsitsa mtengo wopeza data yoyendetsa kuchokera ku hardware, ma dongles, mafoni a m’manja komanso mwachindunji kuchokera pagalimoto. Kubwera kwa zida zotere kwakhala kogwirizana ndi zomwe makampani a inshuwaransi asintha posachedwa kupita ku chidziwitso cha kasitomala. Kukhazikitsidwa kwa ma telematics ngati njira yoperekera ndalama zolipirira makonda malinga ndi momwe munthu amagwiritsira ntchito galimoto, luso loyendetsa galimoto komanso maulendo angapo oyendayenda ndi sitepe yoyenera.

Mofanana ndi kukula komwe kumayambitsa mliri pamapulogalamu otengera ma mileage, vuto lazachuma lomwe lilipo likuyenera kukakamiza makampani a inshuwaransi kuti atengepo gawo lochepetsera ndalama kwa ogula, zomwe tingayembekezere kukulitsa kugwiritsa ntchito ndikugwiritsa ntchito ma telematics mu inshuwaransi yamagalimoto. unyolo wamtengo wapatali. Mogwirizana ndi izi, ziwerengero zamakono zikuwonetsa kukula kwa chaka ndi chaka 17.92% Pogwiritsa ntchito matekinoloje azidziwitso, monga makampani ambiri a inshuwaransi ku United States, United Kingdom ndi Germany makamaka amatumiza zinthu zochokera kuukadaulo wazidziwitso.

Phindu la ndalama zoyambira zonse
Kupyolera mukuchita mwanzeru, mitundu ya UBI imayimira kuchepetsa mtengo kwa onse omwe ali ndi inshuwaransi komanso omwe ali ndi inshuwaransi. Ma inshuwaransi amapeza data yamtengo wapatali, kusankha kwamakasitomala, kuzindikira kwatsopano kwamitengo, ndikuyenda bwino kwa njira, zomwe zimapangitsa kuti ogula apindule-kuchokera kumayendedwe osavuta mpaka kutsika mtengo wa inshuwaransi yamagalimoto.

Chifukwa malipiro a UBI ali pachiwopsezo, nawonso Monga mitengo yogwiritsira ntchito, mawonekedwe a bonasi ndi ofunikira pa mfundo iliyonse. Makampani a inshuwaransi akhala akuyesera kwa nthawi yayitali kulimbikitsa machitidwe abwino kumbuyo kwa gudumu – kuyendetsa bwino kopindulitsa ndi ndalama zotsika komanso mitengo yokwera kwa oyendetsa mosasamala. UBI ikhoza kutenga chizolowezi ichi patsogolo. Zolimbikitsa chitetezo zimatha kuwerengedwa molondola komanso kuyendetsedwa bwino, chifukwa madalaivala otetezeka samatengera kuchuluka kwa zomwe zidanenedwa kale kapena ngozi, komanso pamitundu yosiyanasiyana monga nthawi yoyendetsa gudumu, misewu yomwe ilipo komanso nyengo mdera la oyendetsa, komanso kuchuluka kwa udindo wa dalaivala pazochitika zilizonse. , ndi magawo ena kutengera deta yakutali.

Zolimbikitsa izi zimadzetsa ngozi zochepa, zonena zochepa, ndipo koposa zonse, misewu yotetezeka. Ichi ndichifukwa chake, pamsika, tikuwona kukula kwa telematics – inshuwaransi yoyamba ya MGA ndi ma broker.

Pomaliza, kupereka mapulani a UBI ndi lingaliro lamphamvu kugulitsa lomwe lingathandize onyamula kukopa makasitomala ambiri, kulimbikitsa kupeza komanso kusunga. Mapulani a UBI amakhala otsika mtengo kuposa malamulo achikhalidwe, kotero ogwiritsa ntchito amatha kuwasankha, makamaka ngati sagwiritsa ntchito magalimoto awo pafupipafupi – monga momwe eni magalimoto ambiri amachitira.

Tsogolo la ndalama zapadziko lonse lapansi
Kupanikizika kwamitengo ndi chinthu chosapeweka cha UBI kwakanthawi kochepa, chomwe chingakhudze kuchulukanso kwamakampani ena a inshuwaransi pomwe ogula akufunafuna njira zotsika mtengo.

Pamene UBI ikuchulukirachulukira komanso ogula amakhala omasuka kugwiritsa ntchito pulogalamu kuti awone kuchuluka kwawo, mitengo, ndi mautumiki owonjezera, tiwona kusintha kwa machitidwe okhudzana ndi kasitomala ndikuchitapo kanthu. Tangoganizirani mphamvu ya kuyanjana kwa ogula ndi mtundu wanu tsiku ndi tsiku – luso lophunzitsa ogwiritsa ntchito, kulimbikitsanso uthenga wa chitetezo, mtengo ndi ntchito zowonjezera.

Zotsatira za nthawi yayitali zidzakhala nkhondo yopitilira pakati pa opanga magalimoto. Opanga awa ayikapo mabiliyoni mabiliyoni pazolankhulirana zamagalimoto ndiukadaulo, komabe akuvutika kuti abweze phindu – ngakhale zolembetsa zomwe amayembekezera kapena zolumikizira sizinagwire ntchito monga momwe amayembekezera. Mwamwayi, malo achilengedwe otsatirawa kuti mutengere mwayi pazophatikizirazi ndi ntchito zamtengo wapatali monga inshuwaransi.

Ife a Sapiens tikuyembekeza kuti m’zaka zisanu zikubwerazi, 100% yamagalimoto atsopano abwera ndi kulumikizana kogwirizana ndi UBI, kugwiritsa ntchito deta yolemeretsa zisankho za inshuwaransi za ogula, pomwe agula. McKinsey Center for future Mobility Imayembekeza kuti magalimoto olumikizidwa adzawerengera 90% yazogulitsa zatsopano zamagalimoto aku US pofika 2025.

Msika wapadziko lonse lapansi wopeza ndalama zoyambira ukuyembekezeka kukula kuchokera $43.31 biliyoni mu 2021 kufika $132.02 biliyoni mu 2026. Ngati izi zipitilira, UBI ikhoza kutenga gawo lofunikira pamsika wamagalimoto amtsogolo. Ndikwabwino kwa ma inshuwaransi agalimoto omwe akutenga nawo gawo kwa nthawi yayitali kuti afufuze momwe UBI ingathandizire kupititsa patsogolo mfundo zawo, ndipo ayambe ndikufunsa mafunso otsatirawa: Kodi ndi kuti komanso momwe amathandizira pakukwera kwa UBI? Kodi izi ndi zenizeni zomwe zikubwera – msika wa inshuwaransi yamagalimoto womwe ukulamulidwa ndi ma OEM – pafupi ndi ngodya kapena kutali? Kodi akuchita chiyani kuti akonzekere zenizeni?

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