{"id":"https://openalex.org/W4406158187","doi":"https://doi.org/10.1109/tits.2024.3518572","title":"Predictive Modeling for Driver Insurance Premium Calculation Using Advanced Driver Assistance Systems and Contextual Information","display_name":"Predictive Modeling for Driver Insurance Premium Calculation Using Advanced Driver Assistance Systems and Contextual Information","publication_year":2025,"publication_date":"2025-01-08","ids":{"openalex":"https://openalex.org/W4406158187","doi":"https://doi.org/10.1109/tits.2024.3518572"},"language":"en","primary_location":{"id":"doi:10.1109/tits.2024.3518572","is_oa":true,"landing_page_url":"https://doi.org/10.1109/tits.2024.3518572","pdf_url":null,"source":{"id":"https://openalex.org/S144771191","display_name":"IEEE Transactions on Intelligent Transportation Systems","issn_l":"1524-9050","issn":["1524-9050","1558-0016"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Transactions on Intelligent Transportation Systems","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://doi.org/10.1109/tits.2024.3518572","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5058109229","display_name":"Leandro Masello","orcid":"https://orcid.org/0000-0001-8658-3777"},"institutions":[{"id":"https://openalex.org/I230495080","display_name":"University of Limerick","ror":"https://ror.org/00a0n9e72","country_code":"IE","type":"education","lineage":["https://openalex.org/I230495080"]}],"countries":["IE"],"is_corresponding":true,"raw_author_name":"Leandro Masello","raw_affiliation_strings":["Motion-S S.A., Mondorf-les-Bains, Luxembourg","Kemmy Business School, Centre for Emerging Risk Studies, University of Limerick, Limerick, KB3 040 Ireland"],"raw_orcid":"https://orcid.org/0000-0001-8658-3777","affiliations":[{"raw_affiliation_string":"Motion-S S.A., Mondorf-les-Bains, Luxembourg","institution_ids":[]},{"raw_affiliation_string":"Kemmy Business School, Centre for Emerging Risk Studies, University of Limerick, Limerick, KB3 040 Ireland","institution_ids":["https://openalex.org/I230495080"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5074813032","display_name":"Barry Sheehan","orcid":"https://orcid.org/0000-0003-4592-7558"},"institutions":[{"id":"https://openalex.org/I230495080","display_name":"University of Limerick","ror":"https://ror.org/00a0n9e72","country_code":"IE","type":"education","lineage":["https://openalex.org/I230495080"]}],"countries":["IE"],"is_corresponding":false,"raw_author_name":"Barry Sheehan","raw_affiliation_strings":["Motion-S S.A., Mondorf-les-Bains, Luxembourg","Kemmy Business School, Centre for Emerging Risk Studies, University of Limerick, Limerick, KB3 040 Ireland"],"raw_orcid":"https://orcid.org/0000-0003-4592-7558","affiliations":[{"raw_affiliation_string":"Motion-S S.A., Mondorf-les-Bains, Luxembourg","institution_ids":[]},{"raw_affiliation_string":"Kemmy Business School, Centre for Emerging Risk Studies, University of Limerick, Limerick, KB3 040 Ireland","institution_ids":["https://openalex.org/I230495080"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5004262628","display_name":"German Castignani","orcid":"https://orcid.org/0000-0001-5594-4904"},"institutions":[{"id":"https://openalex.org/I4210112527","display_name":"Luxembourg Institute of Science and Technology","ror":"https://ror.org/01t178j62","country_code":"LU","type":"nonprofit","lineage":["https://openalex.org/I4210112527"]}],"countries":["LU"],"is_corresponding":false,"raw_author_name":"German Castignani","raw_affiliation_strings":["Luxembourg Institute of Science and Technology (LIST), Esch-sur-Alzette, Luxembourg"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Luxembourg Institute of Science and Technology (LIST), Esch-sur-Alzette, Luxembourg","institution_ids":["https://openalex.org/I4210112527"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5106588987","display_name":"Montserrat Guillen","orcid":null},"institutions":[{"id":"https://openalex.org/I42134832","display_name":"Barcelona School of Economics","ror":"https://ror.org/02k09n368","country_code":"ES","type":"education","lineage":["https://openalex.org/I42134832"]},{"id":"https://openalex.org/I71999127","display_name":"Universitat de Barcelona","ror":"https://ror.org/021018s57","country_code":"ES","type":"education","lineage":["https://openalex.org/I71999127"]}],"countries":["ES"],"is_corresponding":false,"raw_author_name":"Montserrat Guillen","raw_affiliation_strings":["Universitat de Barcelona, Barcelona, Spain","Department of Econometrics, Universitat de Barcelona, Barcelona, Spain"],"raw_orcid":"https://orcid.org/0000-0002-2644-6268","affiliations":[{"raw_affiliation_string":"Universitat de Barcelona, Barcelona, Spain","institution_ids":["https://openalex.org/I71999127"]},{"raw_affiliation_string":"Department of Econometrics, Universitat de Barcelona, Barcelona, Spain","institution_ids":["https://openalex.org/I42134832","https://openalex.org/I71999127"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5003956708","display_name":"Finbarr Murphy","orcid":"https://orcid.org/0000-0002-7463-7923"},"institutions":[{"id":"https://openalex.org/I230495080","display_name":"University of Limerick","ror":"https://ror.org/00a0n9e72","country_code":"IE","type":"education","lineage":["https://openalex.org/I230495080"]}],"countries":["IE"],"is_corresponding":false,"raw_author_name":"Finbarr Murphy","raw_affiliation_strings":["Motion-S S.A., Mondorf-les-Bains, Luxembourg","Kemmy Business School, Centre for Emerging Risk Studies, University of Limerick, Limerick, KB3 040 Ireland"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Motion-S S.A., Mondorf-les-Bains, Luxembourg","institution_ids":[]},{"raw_affiliation_string":"Kemmy Business School, Centre for Emerging Risk Studies, University of Limerick, Limerick, KB3 040 Ireland","institution_ids":["https://openalex.org/I230495080"]}]}],"institutions":[],"countries_distinct_count":3,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5058109229"],"corresponding_institution_ids":["https://openalex.org/I230495080"],"apc_list":null,"apc_paid":null,"fwci":5.1368,"has_fulltext":false,"cited_by_count":6,"citation_normalized_percentile":{"value":0.94340184,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":96,"max":98},"biblio":{"volume":"26","issue":"2","first_page":"2202","last_page":"2211"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11344","display_name":"Traffic Prediction and Management Techniques","score":0.8826000094413757,"subfield":{"id":"https://openalex.org/subfields/2215","display_name":"Building and Construction"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T11344","display_name":"Traffic Prediction and Management Techniques","score":0.8826000094413757,"subfield":{"id":"https://openalex.org/subfields/2215","display_name":"Building and Construction"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T14260","display_name":"Impact of AI and Big Data on Business and Society","score":0.8820000290870667,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11099","display_name":"Autonomous Vehicle Technology and Safety","score":0.8341000080108643,"subfield":{"id":"https://openalex.org/subfields/2203","display_name":"Automotive Engineering"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/automobile-insurance","display_name":"Automobile insurance","score":0.7698668241500854},{"id":"https://openalex.org/keywords/advanced-driver-assistance-systems","display_name":"Advanced driver assistance systems","score":0.7068512439727783},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.48232099413871765},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.22959661483764648},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.21063673496246338},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.15395066142082214}],"concepts":[{"id":"https://openalex.org/C2992945734","wikidata":"https://www.wikidata.org/wiki/Q1068361","display_name":"Automobile insurance","level":2,"score":0.7698668241500854},{"id":"https://openalex.org/C87833898","wikidata":"https://www.wikidata.org/wiki/Q1060280","display_name":"Advanced driver assistance systems","level":2,"score":0.7068512439727783},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.48232099413871765},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.22959661483764648},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.21063673496246338},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.15395066142082214}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/tits.2024.3518572","is_oa":true,"landing_page_url":"https://doi.org/10.1109/tits.2024.3518572","pdf_url":null,"source":{"id":"https://openalex.org/S144771191","display_name":"IEEE Transactions on Intelligent Transportation Systems","issn_l":"1524-9050","issn":["1524-9050","1558-0016"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Transactions on Intelligent Transportation Systems","raw_type":"journal-article"},{"id":"pmh:oai:diposit.ub.edu:2445/219131","is_oa":true,"landing_page_url":"https://hdl.handle.net/2445/219131","pdf_url":null,"source":{"id":"https://openalex.org/S4306401653","display_name":"Dip\u00f2sit Digital de la Universitat de Barcelona (Universitat de Barcelona)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I71999127","host_organization_name":"Universitat de Barcelona","host_organization_lineage":["https://openalex.org/I71999127"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Articles publicats en revistes  (Econometria, Estad\u00edstica i Economia Aplicada)","raw_type":"info:eu-repo/semantics/acceptedVersion"}],"best_oa_location":{"id":"doi:10.1109/tits.2024.3518572","is_oa":true,"landing_page_url":"https://doi.org/10.1109/tits.2024.3518572","pdf_url":null,"source":{"id":"https://openalex.org/S144771191","display_name":"IEEE Transactions on Intelligent Transportation Systems","issn_l":"1524-9050","issn":["1524-9050","1558-0016"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Transactions on Intelligent Transportation Systems","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.5699999928474426,"display_name":"Decent work and economic growth"}],"awards":[{"id":"https://openalex.org/G6520033970","display_name":null,"funder_award_id":"14614423","funder_id":"https://openalex.org/F4320321038","funder_display_name":"Fonds National de la Recherche Luxembourg"}],"funders":[{"id":"https://openalex.org/F4320321038","display_name":"Fonds National de la Recherche Luxembourg","ror":"https://ror.org/039z13y21"}],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":41,"referenced_works":["https://openalex.org/W599441947","https://openalex.org/W1968718569","https://openalex.org/W1976303937","https://openalex.org/W2008982283","https://openalex.org/W2030916206","https://openalex.org/W2080561177","https://openalex.org/W2086818867","https://openalex.org/W2094748811","https://openalex.org/W2158698691","https://openalex.org/W2295598076","https://openalex.org/W2528911285","https://openalex.org/W2601234486","https://openalex.org/W2758018149","https://openalex.org/W2793172626","https://openalex.org/W2799522612","https://openalex.org/W2894577495","https://openalex.org/W2898574091","https://openalex.org/W2904739673","https://openalex.org/W2971717062","https://openalex.org/W3014168384","https://openalex.org/W3127483974","https://openalex.org/W3135520454","https://openalex.org/W3160754307","https://openalex.org/W3174086521","https://openalex.org/W3175169988","https://openalex.org/W4205252595","https://openalex.org/W4210524907","https://openalex.org/W4213115640","https://openalex.org/W4230575913","https://openalex.org/W4239510810","https://openalex.org/W4289947792","https://openalex.org/W4291184140","https://openalex.org/W4306253907","https://openalex.org/W4310974368","https://openalex.org/W4316038746","https://openalex.org/W4323841555","https://openalex.org/W4367310976","https://openalex.org/W4400762160","https://openalex.org/W4406158187","https://openalex.org/W6636501900","https://openalex.org/W6785237783"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W2899084033","https://openalex.org/W2748952813","https://openalex.org/W2390279801","https://openalex.org/W4391913857","https://openalex.org/W2358668433","https://openalex.org/W4396701345","https://openalex.org/W2953982092","https://openalex.org/W2376932109","https://openalex.org/W2001405890"],"abstract_inverted_index":{"Telematics":[0],"devices":[1],"have":[2],"transformed":[3],"driver":[4,155,232],"risk":[5,48,60,222],"assessment,":[6],"allowing":[7],"insurers":[8],"to":[9,36,93,171],"tailor":[10],"premiums":[11,56,96],"based":[12,224],"on":[13,154,225],"detailed":[14],"evaluations":[15],"of":[16,40,73,176,205],"driving":[17,88,100,137,229],"habits.":[18],"However,":[19,192],"integrating":[20],"Advanced":[21],"Driver":[22],"Assistance":[23],"Systems":[24],"(ADAS)":[25],"and":[26,62,87,90,112,122,124,141,195,202,231],"contextualized":[27,63],"geolocation":[28,64],"data":[29],"for":[30,179,199],"predictive":[31],"improvements":[32],"remains":[33],"underexplored":[34],"due":[35],"the":[37,82,163,174,206,217,228],"recent":[38],"emergence":[39],"these":[41],"technologies.":[42],"This":[43,210],"article":[44],"introduces":[45],"a":[46,67,71,78,200],"novel":[47],"assessment":[49,223],"methodology":[50],"that":[51,92,97,146],"periodically":[52],"computes":[53],"weekly":[54,95,133,208],"insurance":[55,218],"by":[57],"incorporating":[58],"ADAS":[59,139,194],"indicators":[61],"data.":[65],"Using":[66],"naturalistic":[68],"dataset":[69,129],"from":[70,169],"fleet":[72],"354":[74],"commercial":[75],"drivers":[76],"over":[77],"year,":[79],"we":[80],"modeled":[81,105],"relationship":[83],"between":[84],"past":[85],"claims":[86,107,113,158,180],"data,":[89],"use":[91],"compute":[94],"penalize":[98],"risky":[99],"situations.":[101],"Risk":[102],"predictions":[103],"are":[104],"through":[106],"frequency":[108],"using":[109,116],"Poisson":[110],"regression":[111],"occurrence":[114,159],"probability":[115],"machine":[117],"learning":[118],"models,":[119],"including":[120,189],"XGBoost":[121,161],"TabNet,":[123],"interpreted":[125],"with":[126,173],"SHAP.":[127],"The":[128],"is":[130],"divided":[131],"into":[132,216],"profiles":[134],"containing":[135],"aggregated":[136],"behavior,":[138],"events,":[140],"contextual":[142,196],"attributes.":[143,191],"Results":[144],"indicate":[145],"both":[147],"modeling":[148],"approaches":[149],"show":[150],"consistent":[151],"attribute":[152],"impacts":[153],"risk.":[156],"For":[157],"probability,":[160],"achieved":[162],"lowest":[164],"Log":[165],"Loss,":[166],"reducing":[167],"it":[168],"0.59":[170],"0.51":[172],"inclusion":[175],"all":[177,190],"attributes;":[178],"frequency,":[181],"no":[182],"statistically":[183],"significant":[184],"differences":[185],"were":[186],"observed":[187],"when":[188],"adding":[193],"attributes":[197],"allows":[198],"comprehensive":[201],"disaggregated":[203],"interpretation":[204],"resulting":[207],"premium.":[209],"dynamic":[211],"pricing":[212],"can":[213],"be":[214],"incorporated":[215],"lifecycle,":[219],"enabling":[220],"bespoke":[221],"emerging":[226],"technologies,":[227],"context,":[230],"behavior.":[233]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":5}],"updated_date":"2026-05-07T13:39:58.223016","created_date":"2025-10-10T00:00:00"}