- Tytuł:
- Google Street View image predicts car accident risk
- Autorzy:
-
Kita-Wojciechowska, Kinga
Kidziński, Łukasz - Tematy:
-
Generalized Linear Model
risk modelling
insurance pricing
satellite imagery
Google Street View - Pokaż więcej
- Wydawca:
- Uniwersytet Warszawski. Wydział Nauk Ekonomicznych
- Powiązania:
- https://bibliotekanauki.pl/articles/1356712.pdf  Link otwiera się w nowym oknie
- Opis:
- Road traffic injuries are a leading cause of death worldwide. Proper estimation of car accident risk is critical for the appropriate allocation of resources in healthcare, insurance, civil engineering and other industries. We show how images of houses are predictive of car accidents. We analyse 20,000 addresses of insurance company clients, collect a corresponding house image using Google Street View and annotate house features such as age, type and condition. We find that this information substantially improves car accident risk prediction compared to the state-of-the-art risk model of the insurance company and could be used for price discrimination. From this perspective, the public availability of house images raises legal and social concerns, as they can be a proxy of ethnicity, religion and other sensitive data.
- Dostawca treści:
- Biblioteka Nauki
Artykuł