Artificial Intelligence (AI)
How will New Vehicle Tech affect Auto Insurance Rates?
The insurance industry is one of these sectors that are affected by advanced technology due to enhanced transparency as well as customer satisfaction.

Nowadays, technology is rapidly progressing at an unstoppable rate, affecting many previously dependent industries on a large number of human resources. The insurance industry is one of these sectors that are affected by advanced technology due to enhanced transparency and customer satisfaction.
This impact can be felt with online shopping, easy comparison, easy claims processing, autonomous features in vehicles, etc.
Continuous technological progress is enabling insurers to design their products smartly, and offer services seamlessly and efficiently. This is proving beneficial for both the insurers and the insured. Here’s how:
1. Internet of Things: Telematics Driving
Insurance plans based on telematics work via apps that track the driving behavior of the insured, such as speeding, mileage, hard braking, and acceleration.
This app can be a vital tool for insurance carriers to track risk so that the underwriting team can get the best premiums based on their driving practice.
Telematics technology enables roadside assistance requests for drivers and gives them the incentive for safe driving, resulting in fewer accidents and dropping the risk of expensive medical bills.
The downside is that telematics will track everything a driver does. Not everyone wants this invasion of personal privacy.
2. You may see usage-based insurance plans
Are you surprised by the usage-based insurance plan? No need to worry is just an extension of the Internet of Things we’ve mentioned in the above point. As we all know, IoT provides digital profiles, and it helps insurers to observe the driving behavior of customers and then create an insurance plan accordingly. Therefore the better you drive, the better you’re priced for an auto insurance policy! So be mindful about your driving to achieve the best price.
Autonomous features
Presently, many new cars have advanced autonomous features, such as radar to sense the speed of the vehicle next to you, automatic and manual parking assistance, navigation, alarms for a driver in sleepy condition, etc. These autonomous features reduce crash risk. Due to this, many insurance companies respond with a cheaper premium.
Some new policies cut prices based on accident-reducing potential driverless features like parking assist and ABS.
Dashboard cameras
Dashboard cameras, also known as dashcams, are fixed on the car’s dashboard or windscreen to record the car’s journey. The use of dash cameras is increasing due to availability and reasonable pricing.
The use of a dashboard camera makes the claims processing task very easy & fraud-free by determining the cause of an accident. They also help in insurance claims processing by clarifying that the accident was not the driver’s fault.
Extra security
Adding advanced security to your vehicle can help minimize your insurance premiums. By introducing additional security highlights like a security alarm, tracking system, etc., the insurers consider such people at lower risk of claims.
These advanced security systems also make it simple to recover vehicles if it is lost or stolen. These safety efforts convince insurers that the vehicle is secured and offers less expensive premiums.
Insurance claims
Insurance claims are addressed faster due to the rapid innovation of new technology — some new technologies like drones, the blockchain, and telematics helps to reduce claims fraud.
Automation in claim processing will help collect the claims information and other supporting documents, map relevant information against the policy coverage database, etc., which makes the validation process more efficient & easy.
3. Vehicle sharing will soon become a common trend
In this modern world, vehicle sharing is becoming extremely popular, and no doubt it will impact car insurance. All you could do is Rent a car in Dubai to a stranger for a fixed amount! If drivers choose this path, then insurance carriers either consider insuring the driver or the sharing company in leased vehicles. In this continuously changing market, anything can happen.
Additional Tip: Subaru Driver-Assist and In-Vehicle Technology
Technology is becoming so advanced that it is protecting the lives of people from road mishaps. Recently, the Subaru Drive-Assist and In-Vehicle technology have been rated as one of the safest vehicle makers globally by the National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety.
In 2019, they introduced a new feature called Eyesight Driver Assist Technology, helping people avoid road accidents using features like pre-collision braking, lane departure warnings, adaptive cruise control sway warnings, and pre-collision throttle management. According to the Highway Loss Data Institute, these features have already reduced pedestrian-related accidents by up to 41%.
Takeaways
Technology has entered every business field, so insurers mustn’t stand still to take a suitable business approach to deal with current business trends. The insurance industry looking forward to competing in this advanced business era should invest in such digital prowess. It will enable them to enhance customer interaction, provide fast & accurate services, and boost business opportunities & profit.
Helpful Resources:
1. Impact of Artificial Intelligence (AI) on the Software Development Industry
2. Do Human Translators Have a Reason to Be Afraid of Advancing Technologies
3. Artificial Intelligence And Its Demands To The Programmers
4. Artificial intelligence (AI): Friend or Foe to Future Designers?
5. E-commerce Chatbots: 13 Ways to Increase Sales, Conversions & Retention
6. Top 10 Artificial Intelligence (AI) App Development Trends
Artificial Intelligence (AI)
The Best Top 10 Discord Bots: 2022
Discord bots are required for a well-run Discord server. Bots for Discord may automate moderation chores and add music, polls, games, giveaways, and other features.

Discord bots allow you to interact with other server users while simultaneously moderating it. A discord bot may send server messages, direct messages to users, ban users, promote and demote users, and much more.
As a server owner, you may not always be available to monitor your server, but a bot can, and it can do it far more quickly.
Discord bots are required for a well-run Discord server. Bots for Discord may automate moderation chores and add music, polls, games, giveaways, and other features. A simple Google search for “Discord bots,” on the other hand, returns millions of results, which will take a long time to filter through.
Discord Bots: What Are They and How Do They Work?
Discord bots are artificial intelligence-powered programs that can help you automate Discord server tasks. They make building a fully engaged community much more accessible and may be used to control your server, welcome new members, or even ban those causing difficulties for the rest of the community.
Aside from regulating, Discord bots allow you and your users to share games, music, memes, and other entertaining, engaging, and delightful content.
Here is a good discord bot list that can enhance your experience, and matches your wish list and the expectations you keep from a good discord bot.
1. MEE6
MEE6 is a fantastic Discord bot for those time-consuming moderating tasks you don’t want to undertake. Outside links, spam, spoilers, and foul language are all transgressions that the bot can look for in your Discord server’s messages.
You may mute, kick, or even permanently ban a user after a certain number of offenses within a specific time frame. This bot can also play music for your users and assign different levels of participation. Twitch and YouTube are also supported.
2. Chip
Chip is a free music bot on Discord. Allow users to listen to music from Twitch, Bandcamp, YouTube, Mixer, Vimeo, and SoundCloud on your Discord server. Chip also allows users to create playlists, shuffle, skip, move, rewind, loop, and show song lyrics, as well as shuffle, skip, move, rewind, and loop songs. Voice, treble, bass boost, and an equalizer, are all accessible audio controls provided by the bot.
3. Dank Member
If memes are your love language, Dank Member is the Discord bot for you. You’ll get bot instructions to help you add the perfect meme or build your memes. Dank Member also has a monetary system in which users may earn coins through gambling, stealing from other players, and other means. The money may be exchanged for entertaining products at the bot shop.
4. Hydra
Hydra is a music-streaming bot for Discord that lets your users listen to music from Bandcamp, Spotify, YouTube, Deezer, and Soundcloud. Like Chip, Hydra contains many audio features, such as looping, shifting, replaying, skipping, voting, and shuffling.
You may also look up song lyrics and other information. Hydra includes various unique features for administrators, including the ability to restrict specific users from using the bot, change the language, announce the current song, limit the number of times a song may be played, and more.
5. Groovy
Groovy is one of the most popular Discord bots for music. It enables members to play music by allowing them to upload files, access websites, or search for specific tunes. Like the other music-related Discord bots we’ve examined, Groovy lets you create a queue that you can use to skip tracks, shuffle, repeat, empty, and more. You may also look for song lyrics.
6. Apollo
Apollo is a Discord scheduling bot that makes organizing and scheduling events and meetings a breeze. You may either delete the event post or schedule it to disappear at a specific time when the event is over. With this bot, you’ll be able to send messages to event attendees and set up repeating events.
7. Arcane
Arcane is a Discord bot that will most likely appeal to YouTube influencers. A leveling and moderating bot allow you to set XP and provide members incentives. You may utilize the auto-moderation capabilities to keep track of new and leaving members, prevent spam, block specific phrases, and mute, warn, kick, or ban users who disobey the rules on your server. YouTubers may also use it to receive notifications from YouTube when a new video is released on their Discord server.
8. ProBot
ProBot is a multipurpose bot with welcome images, extensive logs, social commands, music, moderation, and more. You may add welcome messages automatically, track server rule violations, warn offenders, and even kick them out. ProBot is also multilingual, with 13 different languages supported.
9. GiveawayBot
A giveaway does wonders when it comes to getting your server members enthusiastic and engaged. GiveawayBot makes it simple to run a giveaway on your Discord server. You may use this Discord bot to automatically start a giveaway, select a winner, and stop the offer.
10. Tip. cc
Tip. Cc allows you to transfer over 127 different forms of cryptocurrencies as tips on Discord at no charge. It allows you to tip anyone, regardless of whether they have a cryptocurrency wallet, and you may tip numerous people simultaneously. Bitcoin, Ethereum, Tether, and a slew of other cryptocurrencies are all supported by Tip. Cc.
How to Activate a Bot on a Discord Server
It’s simple to add Discord bots to your server once you’ve decided on the ones you want. You may utilize the links or a bot list like the top: Gg or a simple Google search. After you’ve discovered the bot, click the Invite or Add option and select the server to which you’d want to add it. Discord bots can only be added to servers where you have admin or mod privileges. You should be able to utilize the bot immediately after it’s uploaded to your server.
Conclusion
Discord bots are an excellent method to boost your marketing, especially if you’re in a membership or subscription company. To keep your members engaged in your brand and what you have to offer, you’ll be able to build an engaging and exciting atmosphere for them.
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