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Just as the FICO® Score is the standard measure of consumer credit risk, used by all players in the credit ecosystem, the FICO® Scoring Solutions for Telematics provides a measure that facilitates consistency and fairness in driver compliance and safety for various players in the driving ecosystem.
Core to the FICO® Scoring Solutions for Telematics, the FICO® Safe Driving Score creates the opportunity for a significant level of transparency and insight that can be shared with opt-in drivers and fleets to improve their driving behaviors.
Crunching the data for safety.
Researching and evaluating the use of telematics data for several years, FICO has analyzed data covering multiple countries, millions of road miles, and millions of trips. FICO® Scoring Solutions for Telematics can help identify risk exposures associated with high-risk driving behavior, how various factors affect driver safety, and what can be done to manage, control, and mitigate risk of crashes, thereby improving driving, road safety, and ultimately better controlling costs associated with insurance and maintenance.
FICO® Safe Driving Score is grounded by a robust algorithm that scores a driver based on their driving performance across acceleration, braking, cornering, speeding, distraction, and other behind-the-wheel conduct captured over the duration of a trip and aggregated over a defined period. The variables used in the model are behaviors that can be monitored, controlled and changed.
Telematics permits the observation and assessment of risky driving behaviors and fuels the FICO® Scoring Solutions, which provide broad and measurable benefits for:
A consistent and objective measure of driver risk and safety based on driving behaviors.