created autoscoring system with AI for insurance companies

In Argentina, around 4,000 people die in traffic accidents every year and the same number are seriously injured, with lasting consequences. In fact, according to the National Road Observatory, it is the leading cause of death among young people between the ages of 15 and 34.

In addition to the loss of life and the consequences left by road accidents, there are others hidden costs of accidents that have an impact on society as a whole. A recent report from the Institute of Road Safety and Education (ISEV) estimates annual spending at around $8 billion. This figure represents approximately 2% of Argentina’s GDP and ranges from medical care and rehabilitation to lost profits, material damages and administrative impacts.

Now, according to statistics from the National Road Safety Agency, more than 90% of road accidents are due to human error while driving, such as speeding, distraction, cell phone use, alcohol or drug use, lack of sleep or failure to follow the rules. Only 10% of accidents can be attributed solely to technical vehicle failures or deficiencies in the road infrastructure.

Driving habits therefore play a central role in preventing traffic accidents. But so far There is no tool to evaluate and measure people’s behavior behind the wheel in real time.

Interest in this problem led Gastón Theler and Alejandro Simonutti, both computer engineering students at the National University of Rafaela, to found it Intelligently controlledun “Autoscoring” system that uses artificial intelligence to detect risky behavior in drivers.

It is a platform that allows you to assign a rating to each driver based on real data. Users can know their score through an application on their mobile phone. In return, insurers receive information to reduce the risk of accidents and to be able to offer customers fairer prices.based on your personal risk level.

Artificial intelligence when driving

The system uses sensors that send data to an application that can be used on any mobile phone. From there, the data goes to a server, where it is processed using an artificial intelligence algorithm and a score is created for it Insurance companies.

“The behaviors to be detected are sudden braking and maneuvers, speed, time of day and the condition of the vehicle. In the future, it is also planned to add that in each specific period the application will ask to send a photo of the condition of the vehicle, the driver’s license and the result of the vehicle’s technical inspection,” commented Gastón Theler iProfessional.

Regarding the use of cell phones while driving, “we are considering including this analysis, but this requires taking into account many variables since, on the one hand, it is one of the main causes of distraction, but on the other hand, the cell phone is a work tool for many drivers,” he noted.

From project to product

“The idea started as a final year project where we had to use different technologies to solve a problem in our community,” Theler said.

Then the opportunity arose to present the project at UnRaf Startup, a technological business competition organized by Santa Fe University, where They were winners of the 2025 edition.

In addition to winning the award, the entrepreneurs emphasize that “throughout the competition we were able to present the project to a jury made up of specialists from the fields of economics, finance and insurance, who gave us their feedback and suggested improvements. This helped us to focus on the tasks and set priorities necessary to further develop the implementation.”

At the moment, The system is in the technical validation phase, where the application is being tested with different drivers and vehicles. “Our main customer would be insurance companies, which in turn offer each customer a policy with personalized scoring. But we would also like to offer this solution to companies that have their own vehicle fleets or means of transport and want to study the behavior of their drivers,” said Tether.

Although the development is designed for the local market, the makers of Smart Driven They do not rule out the possibility of exporting this solution to other markets. “The problem of traffic accidents is global and we believe that with our project we can make a small contribution to traffic safety,” emphasized the entrepreneur.