I think the biggest benefit for PICC is that it uses big data to screen for quality customers.

Theoretically, car owners who drive less will have lower insurance rates than those who drive more. It's the same thing as a car parked in a garage having a lower accident rate than driving on the road.

The insurance carrot through the car intelligent hardware, can provide PICC with such big data, screening out more "high quality" car owners, PICC can also provide car owners with more favorable car insurance, which is a win-win situation. Of course, the insurance carrot car networking services is also an important part of it.

In addition, in the current fierce competition in the auto insurance market, PICC provides diversified choices for users through the carrot car network service and the new concept of "less driving, less premium", auto insurance is not static, which is also beneficial to PICC to occupy more markets.