A comprehensive teen safe-driving program should benefit teens, parents, and insurers. It can use mobile apps and telematics devices to monitor teen driving behavior, provide real-time alerts to parents if teens exceed speed limits or drive outside set areas, and give insurers meaningful data to reduce losses through predictive analytics. Cognizant's GeoLocus solution provides an integrated platform insurers can use to build such a program and create a win-win-win for all stakeholders through safer driving and lower insurance costs.
This document outlines a distracted driving program aimed at 18-20 year olds. It begins by defining distracted driving and identifying it as a leading cause of crashes among young drivers. Specific contributing factors are identified, including cell phone use, passengers, and lack of experience. The program goals are to reduce distracted driving-related crashes through educational campaigns targeting students and increasing awareness of risks. A strategy team is proposed made up of program coordinators, university representatives, and community leaders to implement interventions like posters, screen savers, and speakers. A SWOT analysis evaluates strengths, weaknesses, opportunities and threats in addressing this important issue.
The document discusses telematics insurance for young drivers and its potential to improve road safety. It notes that 20% of serious crashes involve under-25s, yet many take fewer driving lessons than recommended. Telematics insurance provides ongoing feedback to young drivers, helping them improve their skills and reduce risky behavior. Data from the company ingenie shows that young drivers with telematics policies halve their crash risk after one year and significantly engage with feedback to become safer drivers over time. The document calls for government support of telematics insurance to encourage more young drivers to opt in and further reduce road incidents among this high-risk age group.
This document discusses autonomous vehicles and the current state of the technology. It makes the following key points:
1) Fully self-driving cars that can drive from point A to point B without human intervention do not exist yet and are still many years away. The best existing technologies provide assistance to drivers but require them to remain engaged.
2) Automation has the potential to significantly reduce traffic crashes and deaths over time but progress will depend on factors like how much driving is done autonomously and the performance of the systems.
3) Even if all interstate driving was done by autonomous vehicles today, the maximum safety benefit would be a 17% reduction in crash deaths and 9% fewer injuries, due to
Driving_Towards_Driverless_Monograph_Print_friendlyLauren Isaac
This document provides an introduction and overview of driverless vehicles for government agencies. It discusses what driverless vehicles are, their potential impacts, current development timeline estimates, and key players. The document aims to help government agencies understand driverless vehicle technology and how to plan for its integration. It outlines two potential long-term futures with widespread adoption of driverless vehicles and presents a potential path of evolution from today's cars to a future with driverless vehicles. The intent is to provide guidance to help governments determine their appropriate roles in regulating and enabling driverless vehicle technology.
Human drivers have always been an essential requirement in the operation of a motor vehicle. At the same
time, research has repeatedly demonstrated that driver error plays a role in more than 90% of road crashes
(NHTSA 2008; Blanco et al. 2016). As such, in the past two decades, vehicle manufacturers have designed new
and increasingly sophisticated features that provide more assistance to drivers to help mitigate such errors. Such
features are an important precursor to the development of automated vehicles and, currently, expectations are
high that the advent of semi- or fully- automated vehicles will dramatically reduce road crashes
This document discusses factors that influence texting while driving behavior. It describes how texting while driving is a growing issue in the US that many teens and adults disregard despite risks. Statistics show high rates of texting while driving among teens and young adults. Texting while driving increases the risk of accidents by 23 times and is attributed to many injuries and deaths each year. The document then analyzes how intrapersonal factors like perceptions of risk, socioeconomic status, and age influence texting behavior. Interpersonal influences like learning from family members and friends are also examined. Finally, organizational efforts, policies, and community factors that can reduce texting while driving are outlined.
April is National Distracted Driving Awareness Month. Distracted driving is a factor in many serious Alabama car accidents. Distracted drivers cause many needless injuries and deaths on our highways. At the Blackwell Law Firm, we have helped many Alabama families following a serious injury. We prepare our cases fully in order to obtain the maximum compensation for each individual client. Outside the courtroom, we believe in continuing to advocate for safer highways. We have written numerous articles discussing the types of distracted driving -- Cognitive, Manual and Visual. In our articles we also discuss many ways to reduce this deadly driving danger. You can find these articles on our law firm blog by clicking the link to our website at the end of this slide presentation. We welcome comments and questions.
This document outlines a distracted driving program aimed at 18-20 year olds. It begins by defining distracted driving and identifying it as a leading cause of crashes among young drivers. Specific contributing factors are identified, including cell phone use, passengers, and lack of experience. The program goals are to reduce distracted driving-related crashes through educational campaigns targeting students and increasing awareness of risks. A strategy team is proposed made up of program coordinators, university representatives, and community leaders to implement interventions like posters, screen savers, and speakers. A SWOT analysis evaluates strengths, weaknesses, opportunities and threats in addressing this important issue.
The document discusses telematics insurance for young drivers and its potential to improve road safety. It notes that 20% of serious crashes involve under-25s, yet many take fewer driving lessons than recommended. Telematics insurance provides ongoing feedback to young drivers, helping them improve their skills and reduce risky behavior. Data from the company ingenie shows that young drivers with telematics policies halve their crash risk after one year and significantly engage with feedback to become safer drivers over time. The document calls for government support of telematics insurance to encourage more young drivers to opt in and further reduce road incidents among this high-risk age group.
This document discusses autonomous vehicles and the current state of the technology. It makes the following key points:
1) Fully self-driving cars that can drive from point A to point B without human intervention do not exist yet and are still many years away. The best existing technologies provide assistance to drivers but require them to remain engaged.
2) Automation has the potential to significantly reduce traffic crashes and deaths over time but progress will depend on factors like how much driving is done autonomously and the performance of the systems.
3) Even if all interstate driving was done by autonomous vehicles today, the maximum safety benefit would be a 17% reduction in crash deaths and 9% fewer injuries, due to
Driving_Towards_Driverless_Monograph_Print_friendlyLauren Isaac
This document provides an introduction and overview of driverless vehicles for government agencies. It discusses what driverless vehicles are, their potential impacts, current development timeline estimates, and key players. The document aims to help government agencies understand driverless vehicle technology and how to plan for its integration. It outlines two potential long-term futures with widespread adoption of driverless vehicles and presents a potential path of evolution from today's cars to a future with driverless vehicles. The intent is to provide guidance to help governments determine their appropriate roles in regulating and enabling driverless vehicle technology.
Human drivers have always been an essential requirement in the operation of a motor vehicle. At the same
time, research has repeatedly demonstrated that driver error plays a role in more than 90% of road crashes
(NHTSA 2008; Blanco et al. 2016). As such, in the past two decades, vehicle manufacturers have designed new
and increasingly sophisticated features that provide more assistance to drivers to help mitigate such errors. Such
features are an important precursor to the development of automated vehicles and, currently, expectations are
high that the advent of semi- or fully- automated vehicles will dramatically reduce road crashes
This document discusses factors that influence texting while driving behavior. It describes how texting while driving is a growing issue in the US that many teens and adults disregard despite risks. Statistics show high rates of texting while driving among teens and young adults. Texting while driving increases the risk of accidents by 23 times and is attributed to many injuries and deaths each year. The document then analyzes how intrapersonal factors like perceptions of risk, socioeconomic status, and age influence texting behavior. Interpersonal influences like learning from family members and friends are also examined. Finally, organizational efforts, policies, and community factors that can reduce texting while driving are outlined.
April is National Distracted Driving Awareness Month. Distracted driving is a factor in many serious Alabama car accidents. Distracted drivers cause many needless injuries and deaths on our highways. At the Blackwell Law Firm, we have helped many Alabama families following a serious injury. We prepare our cases fully in order to obtain the maximum compensation for each individual client. Outside the courtroom, we believe in continuing to advocate for safer highways. We have written numerous articles discussing the types of distracted driving -- Cognitive, Manual and Visual. In our articles we also discuss many ways to reduce this deadly driving danger. You can find these articles on our law firm blog by clicking the link to our website at the end of this slide presentation. We welcome comments and questions.
Zipcar & UC Berkeley TSRC Release Findings of 2015 National Transportation Su...Zipcar_PR
Zipcar, the world’s leading car sharing network, and the University of California, Berkeley’s Transportation Sustainability Research Center (TSRC), today released the findings of a first-of-its kind study of Zipcar car sharing on North American college and university campuses. A full working paper can be found here: http://innovativemobility.org/wp-content/uploads/Zipcar-College-Market-Study-2015.pdf.
Λήδα Λιακοπούλου, Head of Design & Communication / Co-Founder, OSevenStarttech Ventures
This document discusses using telematics and a smartphone app to analyze driving behavior and provide usage-based insurance. Key points:
- Driving risks cost over $1 trillion annually in deaths, injuries and economic losses. Insurance companies struggle to motivate safe driving.
- The company aims to create safe drivers, reduce insurer risk, and redefine customer relationships through a smartphone-only driving analytics solution using machine learning.
- Based on data, their program could increase insurer profits 65% by reducing claims 30% through safer driving encouraged by social gamification and personalized feedback on driving habits.
This document summarizes a study on the effectiveness of a school-based helmet use program in Vietnam. It found that helmet use among students increased dramatically from 12.3% before the program to 86.4% two weeks after and was sustained at 78.1% three months later. In comparison, schools only reached by communications campaigns saw smaller increases from 18% to 38% over three years. The study demonstrates that distributing helmets in schools coupled with education can significantly increase child helmet use in Vietnam.
The document is a survey commissioned by Zipcar that examines attitudes of millennials (ages 18-34) around transportation and car ownership compared to older generations. Some key findings:
- Millennials value experiences over possessions similarly to older groups, though 71% think their American Dream definition differs from parents'
- Top American Dream elements for millennials are experiences (29%) and meaningful jobs (23%) rather than homes or possessions
- 53% of millennials say high car costs make ownership difficult compared to 29% of those 55+
- Millennials are more likely than older groups to reduce driving, take transportation apps/public transit, and socialize online instead of driving to see friends
12 part framework to structure safety assessment for autonomous drivingZiaullah Mirza
The document provides voluntary guidance from the National Highway Traffic Safety Administration (NHTSA) to support the safe development and deployment of Automated Driving Systems (ADS). It outlines 12 safety elements that entities developing ADS should consider, including system safety, object and event detection, fallback procedures, validation methods, cybersecurity, and data recording. The guidance encourages entities to disclose voluntary safety self-assessments and emphasizes that safety remains the top priority for ADS. It is intended to help industry develop best practices without establishing compliance requirements.
Mobile phone use - a growing problem of driver distraction - UNEasySonho
This document discusses driver distraction, focusing on mobile phone use. It defines distraction as the diversion of a driver's attention away from safe driving to a competing activity. Distractions can be visual, cognitive, physical, or auditory. Mobile phone use is a growing source of in-vehicle distraction that can impair driving performance by taking a driver's eyes, hands, and mind off the road. Studies suggest drivers using mobile phones are approximately four times more likely to be in a crash. While legislation and public awareness campaigns aim to address this issue, more research is still needed on effective interventions.
Affordable and user friendly, TeenTrakker is the latest in in digital GPS technology. Experience true peace of mind knowing the exact location of your vehicle and your teen anytime night or day.
The document discusses teen driving safety and promotes a GPS tracking device called TeenTrakker that allows parents to monitor their teen's driving behavior. The summary is:
1) Teen driving poses major safety risks, with car accidents being the leading cause of death for teens.
2) A GPS tracking device called TeenTrakker allows parents to monitor their teen's speed, location, and driving habits in real-time to encourage safer driving behavior.
3) When parents communicate clearly with teens about driving expectations and provide supervision, teens are half as likely to get into accidents according to research. TeenTrakker aims to help parents better supervise and educate their teens to reduce risks.
Millennials & Driving: A Survey Commissioned by ZipcarZipcar_Inc
Zipcar, Inc. (Nasdaq: ZIP), the world’s leading car-sharing network, released its second annual independent study of Millennials (18-34-year olds), which examines this generation’s attitudes toward personal transportation and car ownership. The Zipcar membership base ranges in age from 18 to 80s; however, Millennials are an important segment for Zipcar, comprising more than half of all members. Millennials account for about 23 percent of the general population,
according to the 2010 US Census.
This is one of 2 presentations at the 4th Afrobarometer Round 5 Global Release event in Accra, Ghana on December 11, 2013 which focused on "Government Services and Natural Resources. The results show that Water & sanitation services and basic health care biggest performance issues
EssaysExperts.net is the only custom writing service that uses ultra modern approaches coupled with thorough training in providing high quality academic writing services. Our services will enable you achieve success and realize your academic dreams. At http://www.essaysexperts.net/ ,we are the best solution for your acdemic assignments
The Numbers Don’t Lie When It Comes to Driving DistractedMelaniPorter
At the NAPT Summit and NASDPTS Annual Meeting in Kansas City on Monday, the acting chairman of the National Transportation Safety Board (NTSB) Christopher A. Hart discussed, among other things, the dangers of distracted driving.
Braking the Connected Car: The Future of Vehicle VulnerabilitiesPriyanka Aash
In this presentation, analysts from Kelley Blue Book’s Automotive Industry Insights will illustrate how the connected car is quickly becoming an unrestricted playground for cyberthreats and how the next generation of in-car technology will intensify already-present vehicle vulnerabilities.
(Source: RSA USA 2016-San Francisco)
Adrian Gore founded Discovery in 1992 with the goal of creating a more sustainable health insurance model in South Africa. Discovery grew rapidly by developing innovative programs like Vitality, which rewards policyholders for healthy behaviors. Vitality tracks activities like workouts and nutrition to provide points redeemable for discounts and rewards. This wellness focus helped Discovery become the leading insurer in South Africa and expand internationally by partnering with insurers in other countries. Gore attributes Discovery's continued innovation to internal programs that encourage employees to generate new ideas and evaluate managers based on the success of launches.
On-the-Job Distracted Driving: 31 Important Statistics, Facts & IdeasZoomSafer
Assembled by ZoomSafer, this presentation lays out why distracted driving is a serious problem for employers - and what companies can do to reduce their distracted driving risk.
This document provides guidance on safe driving practices for employees. It discusses the importance of seatbelt usage, not using mobile phones while driving, avoiding speeding and drunk driving. Defensive driving techniques are covered such as looking for hazards, maintaining proper distance from other vehicles, and being prepared for emergencies. The document emphasizes taking regular breaks to avoid fatigue when driving long distances.
The Future of Vehicle Ownership Report 2019ThinkNow
The change in the automotive, and more broadly, the transportation segment since then has been nothing short of amazing. In response to the changes, we’ve released our 2019 Auto Purchase Trends Report which takes a closer look at vehicle purchases, purchase preferences, and the impact of technology on the industry.Our goal is to empower marketers with actionable insights that:
# Debunk the myth that vehicle ownership is declining
# Prove that in-person vehicle shopping is still sought after
# Explore the tipping point for alternative fuel vehicles
# Distill the impact of ride-sharing and micro-mobility (electric scooters) on driving habits
# Analyze consumers’ comfort levels with autonomous vehicle technologies
By embracing data science tools and technologies, banks can more effectively inform strategic decision-making, reducing uncertainty and eliminating analysis-paralysis.
Educators Pave the Way for Next Generation of LearnersCognizant
As educational assessments shift to outcome-based learning, providers must adopt new forms of test delivery to increase their global reach and provide ubiquitous services to a new student population.
Zipcar & UC Berkeley TSRC Release Findings of 2015 National Transportation Su...Zipcar_PR
Zipcar, the world’s leading car sharing network, and the University of California, Berkeley’s Transportation Sustainability Research Center (TSRC), today released the findings of a first-of-its kind study of Zipcar car sharing on North American college and university campuses. A full working paper can be found here: http://innovativemobility.org/wp-content/uploads/Zipcar-College-Market-Study-2015.pdf.
Λήδα Λιακοπούλου, Head of Design & Communication / Co-Founder, OSevenStarttech Ventures
This document discusses using telematics and a smartphone app to analyze driving behavior and provide usage-based insurance. Key points:
- Driving risks cost over $1 trillion annually in deaths, injuries and economic losses. Insurance companies struggle to motivate safe driving.
- The company aims to create safe drivers, reduce insurer risk, and redefine customer relationships through a smartphone-only driving analytics solution using machine learning.
- Based on data, their program could increase insurer profits 65% by reducing claims 30% through safer driving encouraged by social gamification and personalized feedback on driving habits.
This document summarizes a study on the effectiveness of a school-based helmet use program in Vietnam. It found that helmet use among students increased dramatically from 12.3% before the program to 86.4% two weeks after and was sustained at 78.1% three months later. In comparison, schools only reached by communications campaigns saw smaller increases from 18% to 38% over three years. The study demonstrates that distributing helmets in schools coupled with education can significantly increase child helmet use in Vietnam.
The document is a survey commissioned by Zipcar that examines attitudes of millennials (ages 18-34) around transportation and car ownership compared to older generations. Some key findings:
- Millennials value experiences over possessions similarly to older groups, though 71% think their American Dream definition differs from parents'
- Top American Dream elements for millennials are experiences (29%) and meaningful jobs (23%) rather than homes or possessions
- 53% of millennials say high car costs make ownership difficult compared to 29% of those 55+
- Millennials are more likely than older groups to reduce driving, take transportation apps/public transit, and socialize online instead of driving to see friends
12 part framework to structure safety assessment for autonomous drivingZiaullah Mirza
The document provides voluntary guidance from the National Highway Traffic Safety Administration (NHTSA) to support the safe development and deployment of Automated Driving Systems (ADS). It outlines 12 safety elements that entities developing ADS should consider, including system safety, object and event detection, fallback procedures, validation methods, cybersecurity, and data recording. The guidance encourages entities to disclose voluntary safety self-assessments and emphasizes that safety remains the top priority for ADS. It is intended to help industry develop best practices without establishing compliance requirements.
Mobile phone use - a growing problem of driver distraction - UNEasySonho
This document discusses driver distraction, focusing on mobile phone use. It defines distraction as the diversion of a driver's attention away from safe driving to a competing activity. Distractions can be visual, cognitive, physical, or auditory. Mobile phone use is a growing source of in-vehicle distraction that can impair driving performance by taking a driver's eyes, hands, and mind off the road. Studies suggest drivers using mobile phones are approximately four times more likely to be in a crash. While legislation and public awareness campaigns aim to address this issue, more research is still needed on effective interventions.
Affordable and user friendly, TeenTrakker is the latest in in digital GPS technology. Experience true peace of mind knowing the exact location of your vehicle and your teen anytime night or day.
The document discusses teen driving safety and promotes a GPS tracking device called TeenTrakker that allows parents to monitor their teen's driving behavior. The summary is:
1) Teen driving poses major safety risks, with car accidents being the leading cause of death for teens.
2) A GPS tracking device called TeenTrakker allows parents to monitor their teen's speed, location, and driving habits in real-time to encourage safer driving behavior.
3) When parents communicate clearly with teens about driving expectations and provide supervision, teens are half as likely to get into accidents according to research. TeenTrakker aims to help parents better supervise and educate their teens to reduce risks.
Millennials & Driving: A Survey Commissioned by ZipcarZipcar_Inc
Zipcar, Inc. (Nasdaq: ZIP), the world’s leading car-sharing network, released its second annual independent study of Millennials (18-34-year olds), which examines this generation’s attitudes toward personal transportation and car ownership. The Zipcar membership base ranges in age from 18 to 80s; however, Millennials are an important segment for Zipcar, comprising more than half of all members. Millennials account for about 23 percent of the general population,
according to the 2010 US Census.
This is one of 2 presentations at the 4th Afrobarometer Round 5 Global Release event in Accra, Ghana on December 11, 2013 which focused on "Government Services and Natural Resources. The results show that Water & sanitation services and basic health care biggest performance issues
EssaysExperts.net is the only custom writing service that uses ultra modern approaches coupled with thorough training in providing high quality academic writing services. Our services will enable you achieve success and realize your academic dreams. At http://www.essaysexperts.net/ ,we are the best solution for your acdemic assignments
The Numbers Don’t Lie When It Comes to Driving DistractedMelaniPorter
At the NAPT Summit and NASDPTS Annual Meeting in Kansas City on Monday, the acting chairman of the National Transportation Safety Board (NTSB) Christopher A. Hart discussed, among other things, the dangers of distracted driving.
Braking the Connected Car: The Future of Vehicle VulnerabilitiesPriyanka Aash
In this presentation, analysts from Kelley Blue Book’s Automotive Industry Insights will illustrate how the connected car is quickly becoming an unrestricted playground for cyberthreats and how the next generation of in-car technology will intensify already-present vehicle vulnerabilities.
(Source: RSA USA 2016-San Francisco)
Adrian Gore founded Discovery in 1992 with the goal of creating a more sustainable health insurance model in South Africa. Discovery grew rapidly by developing innovative programs like Vitality, which rewards policyholders for healthy behaviors. Vitality tracks activities like workouts and nutrition to provide points redeemable for discounts and rewards. This wellness focus helped Discovery become the leading insurer in South Africa and expand internationally by partnering with insurers in other countries. Gore attributes Discovery's continued innovation to internal programs that encourage employees to generate new ideas and evaluate managers based on the success of launches.
On-the-Job Distracted Driving: 31 Important Statistics, Facts & IdeasZoomSafer
Assembled by ZoomSafer, this presentation lays out why distracted driving is a serious problem for employers - and what companies can do to reduce their distracted driving risk.
This document provides guidance on safe driving practices for employees. It discusses the importance of seatbelt usage, not using mobile phones while driving, avoiding speeding and drunk driving. Defensive driving techniques are covered such as looking for hazards, maintaining proper distance from other vehicles, and being prepared for emergencies. The document emphasizes taking regular breaks to avoid fatigue when driving long distances.
The Future of Vehicle Ownership Report 2019ThinkNow
The change in the automotive, and more broadly, the transportation segment since then has been nothing short of amazing. In response to the changes, we’ve released our 2019 Auto Purchase Trends Report which takes a closer look at vehicle purchases, purchase preferences, and the impact of technology on the industry.Our goal is to empower marketers with actionable insights that:
# Debunk the myth that vehicle ownership is declining
# Prove that in-person vehicle shopping is still sought after
# Explore the tipping point for alternative fuel vehicles
# Distill the impact of ride-sharing and micro-mobility (electric scooters) on driving habits
# Analyze consumers’ comfort levels with autonomous vehicle technologies
By embracing data science tools and technologies, banks can more effectively inform strategic decision-making, reducing uncertainty and eliminating analysis-paralysis.
Educators Pave the Way for Next Generation of LearnersCognizant
As educational assessments shift to outcome-based learning, providers must adopt new forms of test delivery to increase their global reach and provide ubiquitous services to a new student population.
Employee Wellness: Two Parts Perspiration, One Part PersistenceCognizant
With employee health affecting bottom lines, organizations need to support preemptive initiatives that encourage both personal wellness and quantifiable results. Here's how we are addressing this major challenge.
Building a Robust Big Data QA Ecosystem to Mitigate Data Integrity ChallengesCognizant
With big data growing exponentially, the need to test semi-structured and unstructured data has risen; we offer several strategies for big data quality assurance (QA), taking into account data security, scalability and performance issues. Our recommendations center around data warehouse testing, performance testing and test data management.
Beyond Green: The Triple Play of SustainabilityCognizant
The triple bottomline is about People, Planet and Profits. Sustainable organizations and responsible corporate citizens are concerned with more than just economic performance.
Safeguarding Bank Assets with an Early Warning SystemCognizant
The recent global financial crisis underscored the impact of non-performing assets and caused banks' overhead to soar. An automated early warning system (EWS) can help these institutions avoid the risk of problem loans, better protect their assets and reduce the effects of delinquent payments.
Informed Manufacturing: Reaching for New HorizonsCognizant
Although still in its infancy, informed manufacturing -- making the right information available in the right form at the right time -- is advancing across industry sectors. Cognizant's recent in-depth study involving interviews with manufacturing CXOs, engineering firms, service and IT providers, academia and industry analysts worldwide, revealed that while most companies understand the signifiance of informed manufacturing, many are proceeding carefully -- working to balance the conflicting priorities of managing day-to-day business while focusing on innovation and breakthrough initiatives. They see external support as a critical success factor.
A New Approach to Application Portfolio Assessment for New-Age Business-Techn...Cognizant
SMAC technologies are propelling new business models, requiring an application portfolio assessment that considers the necessary capabilities and processes to enable effective digital business transformation.
Multidimensional Challenges and the Impact of Test Data ManagementCognizant
Test data management (TDM) is vital for quality assurance (QA) functions to best handle the many cha;l;enges associated with data security, release management, batch processing, data masking and fencing.
As the notion of Web-enabled self-service matures, organizations must be sensitive to customer expectations for relevant information and problem resolution across channels in order to optimize costs and deliver a consistent user experience.
A Framework for Digital Business TransformationCognizant
By embracing Code Halo thinking and a programmatic approach to business process change, organizations can better engage with customers and deliver mass-customized products and services that drive differentiation and outperformance.
Supply Chain Management of Locally-Grown Organic Food: A Leap Toward Sustaina...Cognizant
With the organic food market growing rapidly worldwide, supply chain issues loom large in farmers' ability to provide organic produce and meats. Some key issues include accountabilty and traceability, reducing time to market, controlling food mileage, better integration of supply chains with small farms as well as industrial organics and enhancing value delivery networks and value chains.
Transforming HR into a Strategic Asset enabled by Oracle HCM CloudCognizant
Today’s Human Capital Management (HCM) market is undergoing a unique shift from the traditional transactional process areas to strategic process areas with increasing focus on:
1. Integrated Talent Management: Employee skill management and development has taken the center stage. What are the emerging trends in this space and how is this important for business growth?
2. Enhanced Usability: More than ever, employees need and demand user friendly, contemporary self-service. How does a good self-service strategy unlock $ value for you.
3. Accessibility: Integrated functionality for Analytics, Mobility, and Enterprise Social is a requirement. What can your organization do to get the best value out of these feature rich frameworks?
In this new environment, what are the target options available for HR working on legacy systems? How can CxOs and HR evaluate their current HCM systems and ensure that the technology led HR transformations are not only aligned to the latest HR trends but also provide maximum ROI through increased productivity and automation with lower total cost of ownership?
This presentation by Praveen Gupta (Senior Director, HCM Solution Advisor) throws light on the latest trends in HCM marketplace, target options for customers on legacy systems or manual processes and show how HR in leading companies are leveraging the Oracle HCM & Talent Cloud to move from being a transactional unit to a strategic asset in business growth.
The ingenie Young Driver Report is based on our analysis of more than 200 million miles of telematics data, letting us show the real picture of young drivers.
This document discusses a study conducted on improving teen driving safety. The study identified dangerous driving behaviors like hard braking, rapid accelerations and speeding that commonly occur among teen drivers due to inexperience. It tested a device called ROVR, created by Cartasite, that monitors these behaviors and provides feedback to drivers. The study found that after using ROVR for a month, drivers significantly reduced dangerous behaviors. It determined ROVR could help teens develop safe driving skills if marketed through schools and driver's education programs. The goal is for ROVR to help address the significant problem of car accidents among teen drivers in order to make roads safer.
Risk prevention is an IoT-based uses case able to create a positive impact to all the stakeholders: avoiding the accidents to the policyholders, improving the insurance bottom line, and generating positive externalities to the society
A (false) myth I have heard frequently at conferences is that insurers are not yet able to use IoT data to take smart actions
Instead, there are different success stories about-based risk prevention in different insurance business lines bit.ly/RiskPreventionPaper
One of the best practices in changing driver behaviors is Discovery Limited
Having seen the early steps of this approach, since it’s launch on 1 June 2011, and the journey over the following years, I’ve been always impressed by their innovation journey
Each annual product review has been a thought-provoking presentation: I consider myself extremely luck for this opportunity to learn directly from Anton and Francois and all the team
#Insurtech case histories are frequently fascinating storytelling and make people feel self-satisfied, instead in this paper you will find facts and figures about prevented accidents and profitable auto #insurance portfolios
I love this #telematics story...concrete and fact based!
This study analyzes seat belt non-compliance among drivers and its impact on road safety. Data was collected through observations of drivers at an intersection in Polokwane, South Africa. The findings show high rates of non-compliance, particularly among male and black drivers. To address this issue, the study recommends increasing public education campaigns, strengthening enforcement of seat belt laws through higher fines and penalties, and collaborating with partners to promote road safety initiatives. The goal is to launch a road safety project that improves compliance and reduces injuries from traffic accidents.
This document describes an innovative system for monitoring novice drivers during accompanied driving periods. The system, created by iSafe company, validates that the novice driver and approved accompanying driver are in the vehicle during drives. It collects driving data like speed, location, time of day, and ensures novice drivers comply with graduated driver licensing requirements of accumulating a minimum number of practice hours. This monitoring system could help address issues with current graduated licensing programs by ensuring novice drivers gain sufficient supervised experience to become safer drivers.
Monitoring and Improving Driver BehaviorNicole Weber
Ready Fleet is a leader in fighting the distracted driving epidemic and we believe it’s our responsibility to make the roads safer for your community and ours.
We highlight Ready Fleet features to help you promote a safe driving culture, ensure appropriate use of your vehicles, and protect your company name.
Creating a Culture of Safety in Your OrganizationNicole Weber
Safety is important at all levels of a company’s culture. When the average fleet accident costs over $21,000, many businesses can’t afford to ignore safety issues in their company vehicles.
Street Smarts 101 aims to reduce the 6000 teens killed annually in car accidents through an online, interactive teen driver training program utilizing cutting-edge technology and parental involvement. The program focuses on crash reduction lessons for teens, a parent coaching course, and driving contracts to encourage parent-teen communication. It was developed by experts in teen behavior, driving instruction, traffic law, and simulation technology.
This document discusses how fleet managers must address the growing issues of distracted and impaired driving caused by mobile device use and drug/alcohol use among drivers. It provides examples of policies and language to establish clear rules regarding legal and illegal behaviors, and the consequences of violating safety policies. Creating a culture with incentives for safe driving and penalties for unsafe driving can help reduce costs and risks. Fleet managers must balance connectivity needs with safety by restricting certain mobile uses while driving and ensuring drivers are not impaired.
There's a lot of research out there suggesting that young people today “don't need cars to achieve a sense of self and freedom” the way previous generations did. But that doesn't necessarily mean that young adults aren't interested in driving. We dug into the culture and the data and did some of our own research--and here's what we found:
Getting a license and a car still matter to Millennials.
How Millennials prioritize cars may be more a function of economics and life stage than a true generational phenomenon.
Many Millennials want luxury stuff across the board – and they may be choosing to hold out rather than trade down.
AUTONOMOUS VEHICLES - THE RIGHT SOLUTIONS TO AVERT THE CRISIS OF MOTOR VEHIC...wle-ss
Motor vehicle deaths are a public health crisis, with 94% stemming from human error. Self-driving vehicles have the potential to significantly reduce accidents and save thousands of lives annually through their ability to drive safely without human mistakes. However, barriers including a lack of consistent regulations and consumer unease need to be addressed. The document calls for educating policymakers and the public about the safety benefits of self-driving vehicles, establishing clear federal rules, and supporting innovators to develop use cases that can demonstrate safety and help gain consumer acceptance. This would put the US in a position to see economic and mobility benefits from self-driving vehicle technology.
Young Africans for Opportunities (YAFO), a research organization has called for the abolishing of third party insurance and categorization of comprehensive insurance for utmost benefit of Car owners and Operators. This forms part of recommendations from the 2022 ‘Driver Mo’ Report recently launched by the YAFO in Accra.
As part of its advocacy work, YAFO last year set out to work on the Driver Mo Report. The general objective of the study was to ascertain vehicle insurance experiences in Ghana.
The research focused on the perception of vehicle insurance while ascertaining the current level of insurance access.
The ‘Driver Mo’ report was based on exclusive research based on vehicle insurance advocacy in Ghana. The report also aimed at stopping alleged police harassment of drivers, and igniting driver behavioral changes by advocating for better vehicle insurance policies that are market-driven and responsive to the needs of drivers. Project Lead for YAFO, Nathaniel Dwamena, told journalists on the sidelines of the launch event that the report would help transform the motor vehicle insurance industry in the country.
Presenting the findings of the research, Dwamena who is also the President of YAFO admonished insurance companies in the country to provide incentives that promote good driving.
He said the report detailed the performance of some insurance companies, alleged police harassment, and fraudulent dealings of some insurance companies that needed to be investigated.
Also, the report noted that most Ghanaians – about 82% often do not have an interest in filing complaints or reporting for reasons attributed to a bureaucratic delay in the processing, amounting to being awarded an insurance claim, and the perceived unwillingness of the insurance companies to pay for claims.
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Developing a Comprehensive Safe-Driving Program for Teens
1. Developing a Comprehensive
Safe-Driving Program for Teens
To create a “win-win-win” proposition for insurers, teens and their parents, the industry needs a technology-driven, safety-focused solution that addresses the requirements of all parties, monitors teen driving and reduces losses — in real time.
Executive Summary
Teen driving is a major concern for both families and the insurance industry, and the catalyst behind numerous awareness programs and corrective steps. While it is encouraging to know that since 2005, deaths from automobile accidents involving teens have dropped 47% (from 5,889 to 3,150 in 2011),1 errors traced to teenage drivers were identified as the cause of 75%-plus of the 3,150 deaths reported in 2011 — the last year reliable data was available. This is a troubling statistic that calls for the development of a more comprehensive solution to help safeguard young drivers and their passengers.
With the evolution of the SMAC StackTM (social, mobile, analytics and cloud), insurers have the opportunity and the ability to devise a more compelling solution focused on safe driving for teens. In this paper, we examine the needs of teen drivers, their parents and their insurers — those who have the most to gain from a value-centered and highly effective safe-driving program.
We will also detail a SMAC-based solution tailored to this group of stakeholders. Key elements of the solution include:
•
A smart mobile app that appeals to teens; provides driver scores that can be compared with those of peers; monitors driving; and offers safe-driving tips for young people.
•
Software that sends real-time alerts to parents concerning their teen’s faulty driving
or breach of any governing rules (speeding, driving outside pre-defined geographic areas and roads, etc.).
•
Capabilities that help insurers reduce losses by utilizing meaningful data from telematics devices across networks.
We will also introduce GeoLocus, Cognizant’s advanced telematics solution, that insurers can use to build an all-inclusive safe-driving program for young people and their families.
• Cognizant 20-20 Insights
cognizant 20-20 insights | september 2014
2. cognizant 20-20 insights 2
The Need for Teen Safety
Sounding the Alarm
Young men and women (ages 16 through 19) con-stitute
one in 20 motorists; yet they cause one
in seven vehicle accidents. These statistics under-score
the importance of designing safe-driving
programs tailored to teens. Additional research
reinforces this critical need:
• Motor vehicle crashes are the leading cause
of death for U.S. teens; in 2010, seven teens
ages 16 to 19 died every day from motor vehicle
injuries.2
• Per mile driven, teen drivers are three times
more likely than drivers 20 and older to be
involved in a fatal crash.3
• In 2010, 22% of drivers between 15 and 20
years old who were involved in fatal motor
vehicle crashes were drinking.4
• In 2011, only 54% of high-school students
reported that they always wear seat belts when
riding with someone else.4
• More than 1,000 young drivers lose their lives
each year in vehicle crashes because of an
impaired driver (i.e., either from their own
driving or someone else’s).5
• Teens are involved in vehicle accidents
primarily because they are inexperienced — not
necessarily because they take more risks than
older drivers.
Leading Causes of Teen-Driver Accidents
The findings we have cited demonstrate the mag-nitude
of the problem: The majority of teens’ lives
are at risk due to their driving behavior. This is
especially true when it comes to newly licensed
drivers, teens driving with teen passengers,
and male teens (accident rates are almost double
those of female teens) who are more prone to
risk-taking. Year over year, numbers show that
teen safety is a clear and serious societal con-cern.
Research confirms that the leading cause of
accidents involving young drivers can be traced
to one or a combination of the following factors:
• Lack of awareness of the consequences of risky
behavior.
• Inexperience with the complexities of driving.
• Peers in the vehicle with the teen driver.
• Distraction caused by cell phones.
• Viewing driving as a social activity.
• Impaired driving due to road conditions,
including driving at night.
• Reckless driving, including speeding.
• Driving under the influence of alcohol or other
drugs.
T he Ineffectiveness of Existing Programs
While there are many methods and programs
for improving teens’ driving behavior, most have
proven ineffective. The reasons?
Most involve one-time/shorter periods of train-ing
— either before a license is granted or after
a driving incident occurs. Also, teens’ participa-tion
in this type of program is focused on granting
them a driver’s license, not at motivating them to
become and remain a safe driver.
Moreover, the effectiveness and reach of a pro-gram
depends on the stringency and application
of specific laws in the area where incidents take
place and where the teen lives.
Most teens tend to drive older
vehicles, which lack sophisti-cated
safety features. And last,
but not least, young peoples’
decision-making capabilities
do not fully develop until they
reach their mid-twenties.
These facts send a clear mes-sage
that new approaches and
techniques are required to facilitate safer teen
driving. These should include:
• A broader view, from multiple dimensions (not
just teens alone).
• Advanced technology to support/extend safety
coverage.
• Provisions for continually monitoring the
success of the solution.
• The use of psychological techniques to help
improve the effectiveness of the program.
Teens are well
aware of the risks
and consequences
of unsafe driving.
However, they
tend to overlook
the consequences.
3. cognizant 20-20 insights 3
A Better Approach to Teen
Safety Programs
Ideally, a successful safety program for teen
driving should motivate teens to participate;
be sensitive to parents’/guardians’ needs; and
apply precise data-collection tools and deep-dive
analytics for insurers to prevent losses and
achieve higher profit margins.
Enabling Teen Participation
Studies have revealed that simple peer pressure
can encourage teens to develop risky driving
habits. Furthermore, research shows that the
presence of other teens in a car being driven
by a teen significantly increases the chances of
a motor-vehicle accident — whether or not the
passengers are explicitly urging the driver to
make unsafe driving decisions/traffic maneuvers.
Additional findings confirm that a teen’s abil-ity
to react to a situation may be lacking when
compared to adult drivers. Teens are well aware
of the risks and consequences of unsafe driving.
However, they tend to overlook the consequences.
Many existing programs provide teens with infor-mation
and instructions about safe driving, but
fall short when it comes to addressing the under-lying
attitudes that influence how they drive.
Moreover, many programs do not offer a way to
gauge teen driving habits. A comprehensive pro-gram
should:
• Encourage teens to enroll.
• Sustain continuous adoption.
• Support/reward safe driving.
• Measure driving behavior.
For teens, social factors — from
peer pressure to showing off
behind the wheel, to racing
and speeding — are major con-tributors
to unsafe driving. We
believe that employing social
media to encourage safe driv-ing
can be a more familiar
and acceptable way to reach
out to teen drivers.
Also, teens’ use of smartphones
is on the rise; statistics suggest
that about 70% of individuals
between the ages of 16 and 19
use these devices,6 which have become an indis-pensable
part of their day-to-day lives.
Keeping this in mind, smart-phones
are ideal for helping
teens adopt and stick with a
driving safety program.
Complementing the pro-gram
with gamification
techniques that motivate
teens to win can keep them
interested and engaged in
learning safe driving habits.
A leaderboard that tracks
individuals’ driving skills is
a good way to inspire young
drivers to do their best.
In our view, a smart mobile app that appeals to
teens, provides driver scores, compares driving
scores with those of other participating teens,
gives safe-driving tips and provides real-time
alerts during dangerous driving offers a compel-ling
proposition.
Involving Parents
Parents are naturally concerned when their teen
is behind the wheel of a vehicle. They want to
know where they are and how they are driving.
Nonetheless, parents can be a distraction. In fact,
recent research findings confirm that approxi-mately
53% of teens who said they spoke on the
phone when behind the wheel were actually com-municating
with a parent; 46% said they typically
spoke with a friend.7
A good driver-safety program for teens should
provide parents with:
• Ubiquitous access to information.
• Boundaries and limits to govern teen driving.
• Real-time monitoring while the teen is behind
the wheel.
With the advent of SMAC technology, these three
objectives can be met — all via a device with a
smart app installed in the car or carried by the
individual. The device transmits real-time infor-mation
about the driver’s location, the speed at
which they are driving and other vital information
related to their behavior behind the wheel. Big-data
analytics tools, such as those from Espertech,
a provider of complex event processing (CEP) and
analysis, can process this information in real time
and disseminate it to relevant stakeholders.
Working together, these technologies can create
a comprehensive monitoring mechanism that
checks how a teen is driving at any given time
or place. A parent or other designated party can
A smart mobile app
that appeals to
teens, provides driver
scores, compares
driving scores
with those of other
participating teens,
gives safe-driving tips
and provides real-time
alerts offers a
compelling proposition.
A solution that
informs a parent
about how their teen
is driving and sends
alerts if they are
driving recklessly
and/or breaking
rules can offer peace
of mind and keep
their child out of
harm’s way.
4. cognizant 20-20 insights 4
set up a “geo fence” and specify the areas in
which their teen is allowed to drive. They can also
establish speed limits. Once this configuration is
completed, the data coming from the teen’s car or
mobile device can be monitored and parents noti-fied
of nonconformance. All in real time.
For instance, assume that a mother has set up a
geo fence that limits her son’s driving to a 15-mile
radius around their home. If her son drives beyond
that area, she will immediately receive a text mes-sage
or e-mail notification.
A solution that informs a parent how their teen is
driving and sends alerts if they are driving poorly
and/or breaking rules can offer peace of mind and
help keep their child out of harm’s way.
Supporting the Insurer
Apart from parents and teens, teen safety is a
major concern for states, many of which have had
success with graduate driving-license programs
(GDLs). Numerous non-profit organizations, such
as Brakes for Brett, Lives Interrupted and Drivers
Edge have also taken up the cause, as have auto-motive
manufacturers and insurers.
Insurers stand to benefit
by offering teen safety pro-grams
that can:
• Prevent and reduce loss.
• Corroborate circumstan-tial
data.
• Leverage telematics data
for predictive analytics.
• Improve customer satis-faction.
Such a program should be
end-to-end, providing the
insurer with the amount
and type of data that can be
corroborated for the actuarial process, pricing
and claims processing. The program must also
satisfy customers and garner their loyalty, which
can translate into higher profit margins.
The data it collects will be the biggest asset for
the insurance company. It provides the optics to
prevent loss, predict loss frequency, identify risky
driving behavior, and segment dangerous driving
zones. Figure 1 below shows how telematics and
big data can help insurers prevent losses.
The data collected
will be the biggest
asset for the
insurance company.
It provides the optics
to prevent loss,
predict loss frequency,
identify riskier
driving behavior, and
segment dangerous
driving zones.
How Telematics Data Can Enhance the Bottom Line
• Cameras
• Satellite Data
• Weather Report
• Traffic Patterns
• Biometric Sensors
• Internal Data
• Telematics
Mobile Apps
• Telematics
Devices in Car
• Reward for
Preemptive Action
• Satisfied Customer
PREVENT EVENTS
BIG !
AGGREGATE
DATA
$
Telematics
Internal,
External Big
Data
Analytics Cloud
Personalized
Policyholder
Services
Lower Losses
Incurred
(Predict & Prevent)
Figure 1
5. cognizant 20-20 insights 5
A Teen Safety Program
That Benefits All
A successful teen-safety insurance program
should be viewed as a winning proposition by
teens, their parents and insurers.
Insurance is meant to indemnify, or compensate,
for the financial loss of the insured. On the other
hand, insurance means business to carriers; they
must earn a profit to sustain and grow their com-pany.
In personal insurance lines, teen driving is
inevitable. At the same time, statistics tell us that
teens are very vulnerable to vehicle crashes, and
are considered immature drivers. It is a real chal-lenge
for the insurer to reduce and prevent loss
and still make a profit.
In general, there are many ways to reduce or pre-vent
the risks posed by teen driving. Introducing
safety programs, offering discounts for imple-menting
risk-control programs and stipulating
conditions during the issuance of a policy are
among them. However, offering a teen-safety
program as an addendum to a carrier’s personal
insurance policy is one of the best ways to reduce/
prevent loss.
To do this, carriers should offer parents and
teens a solution that helps them set the driving
agreement, make teen enrollment provisions and
enable monitoring of teen driving behavior by
parents. As a catalyst to gradually improve teen
driving behavior, the carrier can also monitor
teen driving, provide unbiased feedback to teens
and their parents, and reward above-average
driver performance.
Figure 2 illustrates the “win-win-win” value prop-osition
for parents, teens and insurers.
PARENT TEEN
Enrolls teen.
Sets up geofence
& speed limits for
safe driving.
Creates
notification rules.
Views the portal,
compares driving
behavior.
Is encouraged to
use the mobile app.
Benefits from
real-time alerts and
driving tips.
Strives to be
on top of
leaderboard.
Earns badges
& redeems rewards
for safe driving.
Provides teen with
safety portal
& mobile apps.
Collects driving
behavior data.
id t ith
Launches teen
safety program.
INSURER
Benefits from
safe driving &
reduced losses.
Figure 2
A Win-Win-Win Proposition for Insurers, Parents and Teens
6. cognizant 20-20 insights 6
The Cognizant Approach
Cognizant’s GeoLocus is a cost-effective, highly
scalable hosted telematics solution designed to
help insurers provide more value and increase their
ROI. This all-in-one system encompasses devices,
software, data management, analytics, portals
and mobile apps (see Figure 3). Furthermore,
GeoLocus covers the entire telematics spectrum,
including telemetry data collection; a machine-to-machine
(M2M) gateway; a telematics platform,
and a sophisticated event-processing engine that
provides real-time analytics. These features can
be leveraged to build specific solutions in areas
such as teen safety or user-based insurance (UBI)
programs for insurers and the insured.
The GeoLocus mobile app for data collection,
along with the insurer portal, complement a teen
safety program with capabilities that include:
• Out-of-the box integration with core insurance
systems (i.e., ACORD-based message and data
models, and interfaces to other COTs products).
• Comprehensive features for addressing end-to-
end needs, starting with data collection
through analytics.
• Smartphone apps that provide a cost-effective
option for delivering value-added services such
as teen-safety solutions.
• A scalable architecture
that meets time-to-market
challenges; for
example, telematics initia-tives
like teen safety can
be launched within six
months.
Looking Forward
Safe driving reduces the pos-sibility
of accidents — thereby
reducing the number of
injuries and losses they
inflict. This is especially rel-evant
when it comes to teen drivers — making
it prudent for an insurance company to support
a highly effective, technology-supported teen-safety
program.
Today, using disruptive, market-changing tech-nologies
such as telematics, mobility, big-data
analytics and cloud, insurers are better posi-tioned
to offer all-inclusive programs that help
predict and prevent teen-related accidents.
By leveraging the SMAC Stack in conjunction with
a knowledgeable telematics consulting partner
such as Cognizant, insurers can devise a scal-able
and flexible teen safety program designed
to prevent accidents, save lives and strengthen
their position in the marketplace.
* We have partnerships to provide In-Car Device options.
Figure 3
GeoLocus At a Glance
GeoLocus covers the
entire telematics
spectrum, including
telemetry data
collection; a machine-to-
machine (M2M)
gateway; a telematics
platform; and a
sophisticated event-processing
engine.
INSURER’S CORE APPLICATIONS
Telematics UW Inputs Policy Data
BIG DATA &
TELEMATICS DATA
• Complex Events Processing
for Real-Time Alerts
• Business Rules & Services
for Portals
• Driver Risk Score
• Driving Behavior
• Teen Safety Features
(GeoFence, Leaderboard… )
DRIVER PORTAL
UNDERWRITING SYSTEM POLICY ADMIN SYSTEM CLAIMS SYSTEM
Telemetry Data Collection
GeoLocus Smartphone App
OR In-Car Device*
• Insights & Analytics
• Vehicle Monitoring
INSURER PORTAL
GEOLOCUS
M2M Communication Gateway
7. cognizant 20-20 insights 7
References
• http://www.nielsen.com/content/dam/corporate/uk/en/documents/Mobile-Consumer-Report-2013.
pdf
• http://www.usatoday.com/story/news/nation/2014/08/08/distracted-driving-parents-phones/
13740087/
• https://www.health.ny.gov/prevention/injury_prevention/children/fact_sheets/teens_15-19_years/
teen_drivers_passenger_safety_15-19_years.htm
• http://teendriving.statefarm.com/system/article_downloads/2013_miles_to_go_report.pdf
• http://www.allstatefoundation.org/sites/all/themes/allstate2/pdf/chronic.pdf
• www.nhtsa.gov/staticfiles/nti/pdf/811434.pdf
Footnotes
1 Miles to Go – A national teen driver safety report. http://teendriving.statefarm.com/system/article_down-loads/
2013_miles_to_go_report.pdf
2 Centers for Disease Control and Prevention. Web-based Injury Statistics Query and Reporting System
(WISQARS. 2012. National Center for Injury Prevention and Control, Centers for Disease Control and
Prevention (producer). [Cited Sept. 28, 2012.].
3 Insurance Institute for Highway Safety (IIHS). Fatality Facts: Teenagers 2010. Arlington (VA): The Institute.
2012. [cited Sept. 28, 2012]. http://www.iihs.org/research/fatality.aspx?topicName=Teenagers&year=2010
4 National Highway Traffic Safety Administration (NHTSA), Dept. of Transportation (US). Traffic Safety Facts
2010: Young Drivers. Washington, D.C.: NHTSA; May, 2012 [cited 2012 Sept. 28].
5 Dept. of Transportation (U.S.), National Highway Traffic Safety Administration (NHTSA). Traffic Safety
Facts 2010: Alcohol-Impaired Driving. Washington (DC): NHTSA; 2012 [cited 2012 Sept. 28]. Available at
URL: http://www-nrd.nhtsa.dot.gov/Pubs/811606.PDF
6 The Mobile Consumer. http://www.nielsen.com/content/dam/corporate/uk/en/documents/Mobile-
Consumer-Report-2013.pdf
7 Parents Drive Kids to Distraction. http://www.usatoday.com/story/news/nation/2014/08/08/distracted-driving-
parents-phones/13740087/
About the Authors
Arul Aaron Rajamony is an Associate Director of Projects within Cognizant’s BusinessCloudTM Insurance
Solutions team. He leads the product development team for insurance telematics and P&C claims. Arul
has nearly 15 years of experience in application development, design, architecture and consulting. He
has focused on insurance product development for the past three years. In that time, he and his team
have built a comprehensive claims analytics platform, an insurance telematics platform and a claims
adjuster platform. Arul received his bachelor’s degree in Electrical & Electronics Engineering (B.E. EEE)
from PSG College of Technology, Coimbatore, India and his master’s degree in e-Business (M.S. e-Biz) from
Birla Institute of Technology, Pilani, India. He can be reached at Arulaaron.Rajamony@cognizant.com.
Murali Kandan is a Manager of Projects within Cognizant’s BusinessCloudTM Insurance Solutions team,
where he is responsible for product development in insurance telematics and P&C claims. He focuses
on product roadmaps and release management and leads the mobile development team. Murali has
14 years of experience in application development, with a strong background in various development
methodologies – waterfall, IIDM, Scrum Agile and product development. Murali received his Bachelor of
Engineering (BE), Mechanical Engineering degree from SASTRA University, Thanjavur, India. He can be
reached at Murali.Kandan@cognizant.com.