The acceptance of LiDAR (Light Detection and Ranging) technology in self-driven vehicles and urban mapping is substantial. In the auto insurance domain, LiDAR’s accurate depth-sensing potential proposes its unexploited opportunity, which can help insurers tremendously. This review paper examines the current use of LiDAR and prospective applications in auto insurance in areas like risk assessment, claim settlements, fraud detection, and driver behavior analysis. We will look into the technological underpinning of LiDAR and its integration challenges, and put forward a hypothetical framework for its acquisition in Insurance processing steps. In conclusion, this paper proposes future research areas and the tactical role of technologies like cloud and AI in implementing LiDAR-collected data in the insurance world.

LiDAR, auto insurance, claims processing, underwriting, fraud detection, telematics, 3D point cloud, cloud computing, AI in insurance

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