Toyota Motor Corp and the MS&AD Insurance Group's Aioi Nissay Dowa Insurance jointly developed the Telematics Damage Service System, a new accident response service that uses driving data acquired from connected cars to enable visualisation of driving at the time of an accident, and AI to achieve advance accident detection. The Service will be made available starting in March 2020 on Toyota and Lexus brand connected cars with supported models to be expanded in stages.

How ‘Tough Connecting Car Insurance’ helps
Their joint initiative, the ‘Tough Connecting Car Insurance’, first launched in 2018, has over over 25,000 customers as of November, 2019.

Compared to another Aioi Nissay Dowa Insurance product, ‘Tough Vehicle Insurance’, the accident rate for customers using the former product is 30 percent lower. In addition to the above accident reduction efforts, this telematics system also provides support for prompt and appropriate accident resolution in the event of a mishap.

Previously, accident response was conducted via a private settlement through negotiation based on information gathered from the customer through telephone and written interactions. But this service uses driving data acquired from Toyota's connected cars, making it possible for insurance companies to accurately and objectively ascertain accident conditions. As a result, the burdens of insurance claim procedures can be reduced to a large extent. Moreover, Toyota's connected cars can link to Aioi Nissay Dowa Insurance at any time for prompt accident response.

Service Details
The Service will be offered to customers who have enrolled ‘Tough Connecting Car Insurance’ as a new service. The details include

-Route mapping and visualisation of driving behavior: It is possible to cut down burden on customers with regards to explaining an accident by mapping the driving route according to driving data based on information acquired from a connected car and visualising vehicle data relating to the operating status of the accelerator, brake pedal, shift position and steering wheel as well as the operating status of various devices including indicators and safety equipment. This could also lead to prompt accident settlement.

-Accident detection using AI contacts the customer to confirm their safety from an ‘automatic reporting desk’ and makes necessary arrangements in case of a major collision is detected. This function uses an algorithm developed by Aioi Nissay Dowa Insurance and utilises machine learning using data acquired by crash test. This makes it possible to identify the location properly and promptly respond to accidents.