[quote="cheng_jingyi, post:1, topic:474"]
Last week, a friend working in auto insurance actuarial science asked me if Xiaomi Pengcheng's road test data could possibly be opened up to insurance companies. I paused for a moment, then realized that behind this question lies a transformation in the pricing logic for new energy vehicle insurance.
Conclusion first: Xiaomi Pengcheng's 4.28 million km, 566 vehicles, and 626 days of road testing might mean more to the insurance industry than autonomous driving itself. It gives insurance companies an unprecedented opportunity—to replace empirical models with real driving data for actuarial pricing.
Why say this
Traditional auto insurance pricing relies on static factors: age, gender, car...
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The deviation between road test data and real user scenarios is indeed a critical issue. We often face similar troubles in medical AI—lab metrics and actual clinical performance can differ significantly. This requires an additional verification loop.
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