{"id":19073,"date":"2025-07-17T22:40:04","date_gmt":"2025-07-17T14:40:04","guid":{"rendered":"https:\/\/www.xsuniot.com\/?p=19073"},"modified":"2025-07-17T22:40:04","modified_gmt":"2025-07-17T14:40:04","slug":"insurers-use-obd-trackers","status":"publish","type":"post","link":"https:\/\/www.xsuniot.com\/ar\/insurers-use-obd-trackers\/","title":{"rendered":"\u0643\u064a\u0641 \u062a\u0633\u062a\u062e\u062f\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u062a\u062a\u0628\u0639 OBD \u0628\u0634\u0643\u0644 \u0641\u0639\u0627\u0644"},"content":{"rendered":"

\u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0636\u062c\u0629\u060c \u062d\u0648\u0644\u062a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \"\u0628\u064a\u0627\u0646\u0627\u062a \u0633\u0644\u0648\u0643 \u0627\u0644\u0642\u064a\u0627\u062f\u0629\" \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u062a\u0639\u0642\u0628 OBD<\/a> (\u0627\u0644\u062a\u0634\u062e\u064a\u0635 \u0639\u0644\u0649 \u0645\u062a\u0646 \u0627\u0644\u0637\u0627\u0626\u0631\u0629) \u0625\u0644\u0649 \u0623\u0635\u0644 \u0623\u0633\u0627\u0633\u064a \u0644\u0644\u062a\u0633\u0639\u064a\u0631 \u0648\u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0623\u0631\u0628\u0639 \u062d\u0627\u0644\u0627\u062a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u062b\u0628\u062a\u0629 \u062a\u064f\u0646\u0634\u0626 \u062d\u0644\u0642\u0629 \u0645\u063a\u0644\u0642\u0629 \u0645\u0646 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0625\u0644\u0649 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0648\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638.<\/h2>\n

\"OBD<\/p>\n

    \n
  1. \n
    \u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0627\u0644\u062f\u0642\u064a\u0642: \u0631\u0628\u0637 \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0642\u064a\u0642\u064a
    \n- \u064a\u0642\u0648\u0645 \u0646\u0638\u0627\u0645 Snapshot \u0645\u0646 \u0634\u0631\u0643\u0629 Progressive (\u062a\u0645 \u0625\u0637\u0644\u0627\u0642\u0647 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0639\u0627\u0645 2009) \u0628\u062a\u0648\u0635\u064a\u0644 \u062f\u0648\u0646\u062c\u0644 OBD-II \u0635\u063a\u064a\u0631 \u062a\u062d\u062a \u0644\u0648\u062d\u0629 \u0627\u0644\u0639\u062f\u0627\u062f\u0627\u062a \u0648\u062a\u062d\u0645\u064a\u0644 \u0627\u0644\u062a\u0633\u0627\u0631\u0639 \u0627\u0644\u0633\u0631\u064a\u0639\u060c \u0648\u0627\u0644\u0643\u0628\u062d \u0627\u0644\u0634\u062f\u064a\u062f\u060c \u0648\u0627\u0644\u0645\u0633\u0627\u0641\u0629 \u0627\u0644\u0645\u0642\u0637\u0648\u0639\u0629 \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643.
    \n- \u062a\u0642\u0648\u0645 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0629 \u0628\u0625\u0631\u062c\u0627\u0639 \u062e\u0635\u0645 \u0645\u0646 0 \u0625\u0644\u0649 30 %. \u0648\u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2023\u060c \u0643\u0627\u0646 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u0642\u062f \u062c\u0645\u0639 1.7 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \"\u0644\u0642\u0637\u0629\"\u060c \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0645\u0648\u0627\u0621\u0645\u0629 \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0639 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0641\u0639\u0644\u064a\u0629.
    \n- \u0648\u064a\u062a\u0628\u0639 \u0628\u0631\u0646\u0627\u0645\u062c Drivewise \u0645\u0646 Allstate's Drivewise \u0648\u0628\u0631\u0646\u0627\u0645\u062c Drive Safe & Save \u0645\u0646 State Farm's Drive Safe & Save \u0646\u0641\u0633 \u0646\u0645\u0637 \u0646\u0638\u0627\u0645 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0639\u0627\u0644\u0645\u064a (GPS) \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u062c\u064a\u0631\u0648\u0633\u0643\u0648\u0628 \u0627\u0644\u0647\u0627\u062a\u0641 \u0644\u062a\u0633\u0639\u064a\u0631 \"\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0644\u0643\u0644 \u0643\u064a\u0644\u0648\u0645\u062a\u0631\".<\/div>\n<\/li>\n
  2. \n
    \u0627\u0644\u062a\u062d\u0643\u0645 \u0627\u0644\u0627\u0633\u062a\u0628\u0627\u0642\u064a \u0641\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631: \u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0631\u0627\u0631 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644
    \n- \u062a\u0642\u0648\u0645 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0628\u0628\u062b \u0627\u0644\u0633\u0631\u0639\u0629 \u0648\u0627\u0644\u0627\u0646\u0639\u0637\u0627\u0641\u0627\u062a \u0627\u0644\u062d\u0627\u062f\u0629 \u0648\u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0644\u064a\u0644\u064a\u0629 \u0648\u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062e\u0637\u0648\u0631\u0629. \u062a\u0642\u0644\u0644 \u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062a\u0643\u0631\u0627\u0631 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0628\u0646\u0633\u0628\u0629 5 \u0625\u0644\u0649 10 % \u0641\u064a \u0627\u0644\u0645\u062a\u0648\u0633\u0637.
    \n- \u0641\u064a \u0644\u062d\u0638\u0629 \u0648\u0642\u0648\u0639 \u0627\u0644\u0627\u0635\u0637\u062f\u0627\u0645\u060c \u064a\u062a\u0645 \u062a\u062d\u0645\u064a\u0644 \u0622\u062b\u0627\u0631 \u0642\u0648\u0629 \u0627\u0644\u062a\u0633\u0627\u0631\u0639 \u0641\u064a \u0627\u0644\u062c\u0627\u0630\u0628\u064a\u0629 \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0648\u0639\u062f\u062f \u062f\u0648\u0631\u0627\u062a \u0627\u0644\u0645\u062d\u0631\u0643 \u0641\u064a \u0627\u0644\u062f\u0642\u064a\u0642\u0629 \u0648\u0627\u0644\u0645\u0648\u0642\u0639\u060c \u0645\u0645\u0627 \u064a\u062a\u064a\u062d \u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0645\u0633\u0631\u062d \u0627\u0644\u062d\u0627\u062f\u062b \u0648\u0627\u0644\u0643\u0634\u0641 \u0639\u0646 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0645\u0631\u062d\u0644\u064a\u0629\u061b \u0648\u064a\u0646\u062e\u0641\u0636 \u0632\u0645\u0646 \u062f\u0648\u0631\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0645\u0646 \u0623\u0633\u0627\u0628\u064a\u0639 \u0625\u0644\u0649 \u0623\u064a\u0627\u0645.<\/div>\n<\/li>\n
  3. \n
    \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629: \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062b\u0628\u0627\u062a \u0648\u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u062a\u0628\u0627\u062f\u0644\u064a
    \n- \u062a\u062c\u0645\u0639 Metromile \u0628\u064a\u0646 \u0623\u062c\u0647\u0632\u0629 \u062a\u0639\u0642\u0628 OBD \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627 \u0645\u0639 \u062a\u0637\u0628\u064a\u0642 \u0639\u0644\u0649 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0648\u0642\u0648\u062f \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u060c \u0648\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0639\u0646 \u062d\u0627\u0644\u0629 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0648\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0648\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u0631\u0648\u0642\u0627\u062a \u0648\u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642 \u0628\u0646\u0642\u0631\u0629 \u0648\u0627\u062d\u062f\u0629. \u0648\u064a\u0631\u062a\u0641\u0639 \u0639\u062f\u062f \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u0646\u0634\u0637\u064a\u0646 \u0634\u0647\u0631\u064a\u0627\u064b \u0628\u0645\u0642\u062f\u0627\u0631 \u062b\u0644\u0627\u062b\u0629 \u0623\u0636\u0639\u0627\u0641 \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.
    \n- \u062a\u0642\u0648\u0645 \u0634\u0631\u0643\u0629 Insure The Box \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627 \u0628\u062a\u062d\u0648\u064a\u0644 \u0623\u062f\u0627\u0629 \u0627\u0644\u062a\u0639\u0642\u0628 \u0625\u0644\u0649 \"\u062a\u062d\u062f\u064a \u0642\u064a\u0627\u062f\u0629\" \u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0627\u0644\u0644\u0639\u0628. \u064a\u0642\u0648\u0645 \u0627\u0644\u0633\u0627\u0626\u0642\u0648\u0646 \u0627\u0644\u0622\u0645\u0646\u0648\u0646 \u0628\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0645\u0643\u062a\u0633\u0628\u0629 \u0628\u0642\u0633\u0627\u0626\u0645 \u0648\u0642\u0648\u062f\u061b \u0648\u062a\u062a\u062d\u0633\u0646 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0628\u0645\u0642\u062f\u0627\u0631 12 %.<\/div>\n<\/li>\n
  4. \n
    \u062a\u062e\u0641\u064a\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629: \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0643\u062e\u062f\u0645\u0629
    \n- \u0623\u0635\u0628\u062d\u062a \u0648\u062d\u062f\u0627\u062a \u062a\u0639\u0642\u0651\u0628 4G\/5G OBD \u0645\u062b\u0644 GV500CNA \u0645\u0646 Queclink \u062a\u062a\u0636\u0645\u0646 \u0627\u0644\u0622\u0646 \u0628\u0637\u0627\u0642\u0629 eSIM \u0648\u0628\u0644\u0648\u062a\u0648\u062b \u0648\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0647\u0648\u0627\u0621. \u062a\u062f\u0641\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u0637 \u0645\u0642\u0627\u0628\u0644 \u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u062c\u0647\u0627\u0632\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0644\u0643\u064a\u0629 \u0623\u0642\u0644 \u0645\u0646 \u062f\u0648\u0644\u0627\u0631\u064a\u0646 \u0623\u0645\u0631\u064a\u0643\u064a\u064a\u0646 \u0634\u0647\u0631\u064a\u0627\u064b.
    \n- \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639\u060c \u064a\u062a\u0645 \u062a\u0636\u0645\u064a\u0646 \u0631\u0633\u0648\u0645 \u0627\u0644\u062c\u0647\u0627\u0632 \u0648\u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0641\u064a \u0642\u0633\u0637 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0648\u0644\u061b \u062d\u064a\u062b \u064a\u0642\u0648\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0627\u0644\u062a\u062b\u0628\u064a\u062a \u0628\u062f\u0648\u0646 \u0623\u064a \u062a\u0643\u0644\u0641\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0645\u0643\u0646 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u0625\u0639\u0627\u062f\u0629 \u0646\u0634\u0631\u0647\u0627 \u0645\u0631\u0643\u0632\u064a\u0627\u064b.<\/div>\n<\/li>\n<\/ol>\n

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    \n