Factors, Prediction, and Explainability of Vehicle Accident Risk Due to Driving Behavior through Machine Learning: A Systematic Literature Review, 2013–2023

Road accidents are on the rise worldwide, causing 1.35 million deaths per year, thus encouraging the search for solutions. The promising proposal of autonomous vehicles stands out in this regard, although fully automated driving is still far from being an achievable reality. Therefore, efforts have focused on predicting and explaining the risk of accidents using real-time telematics data. This study aims to analyze the factors, machine learning algorithms, and explainability methods most used to assess the risk of vehicle accidents based on driving behavior. A systematic review of the literature produced between 2013 and July 2023 on factors, prediction algorithms, and explainability methods to predict the risk of traffic accidents was carried out. Factors were categorized into five domains, and the most commonly used predictive algorithms and explainability methods were determined. We selected 80 articles from journals indexed in the Web of Science and Scopus databases, identifying 115 factors within the domains of environment, traffic, vehicle, driver, and management, with speed and acceleration being the most extensively examined. Regarding machine learning advancements in accident risk prediction, we identified 22 base algorithms, with convolutional neural network and gradient boosting being the most commonly used. For explainability, we discovered six methods, with random forest being the predominant choice, particularly for feature importance analysis. This study categorizes the factors affecting road accident risk, presents key prediction algorithms, and outlines methods to explain the risk assessment based on driving behavior, taking vehicle weight into consideration.