As a UBI auto insurance overall solution provider, Innovatech IOT collects multi-dimensional data such as vehicle mileage, driving behavior and number of times of driving through the use of cutting-edge technology with the vehicle-mounted intelligent terminals as the perception portal, and uploads the data to the cloud server for analysis and computation through the communication network to provide a fine-grained pricing basis for the development of personalized insurance products by auto insurance enterprises, and to provide more choices for auto insurance users. more choices for auto insurance users. Enterprises can also share driving data so that customers can understand their insurance status, improve user experience and renewal rates, and reduce claims disputes.