Route risk mitigation
First Claim
1. A method, comprising:
- at a computing device comprising at least one processor and memory;
detecting, by the at least one processor, a travel route being traveled by a vehicle, the travel route being traveled by the vehicle having a start location and an end location;
receiving, by the at least one processor, from a first remote data source, historical accident information comprising an accident location and accident loss information associated with an accident occurrence on a road segment of the travel route being traveled by the vehicle located between the start location and the end location of the travel route being traveled by the vehicle;
receiving, by the at least one processor, from a second remote data source, real-time traffic information identifying traffic volume along the travel route being traveled by the vehicle;
while the travel route is being traveled by the vehicle, calculating, by the at least one processor, a risk value for the road segment of the travel route based on the historical accident information received from the first remote data source, based on the real-time traffic information received from the second remote data source, and based on a direction of travel of the vehicle through the road segment of the travel route,wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a first value when the direction of travel of the vehicle through the road segment of the travel route is a first direction of travel, andwherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a second value different from the first value when the direction of travel of the vehicle through the road segment of the travel route is a second direction of travel opposite to the first direction of travel;
determine that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to a low risk value;
based on determining that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to the low risk value, determine to provide a discount on an insurance policy associated with the vehicle; and
while the travel route is being traveled by the vehicle, sending, by the at least one processor, to a navigation device located in the vehicle, the risk value for the road segment of the travel route calculated by the at least one processor and information associated with the discount on the insurance policy associated with the vehicle,wherein sending the risk value for the road segment of the travel route calculated by the at least one processor to the navigation device located in the vehicle causes the navigation device located in the vehicle to display, while the travel route is being traveled by the vehicle, an indication of risk associated with the travel route being traveled by the vehicle based on the risk value for the road segment of the travel route calculated by the at least one processor and the information associated with the discount on the insurance policy associated with the vehicle.
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Accused Products
Abstract
A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.
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Citations
20 Claims
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1. A method, comprising:
at a computing device comprising at least one processor and memory; detecting, by the at least one processor, a travel route being traveled by a vehicle, the travel route being traveled by the vehicle having a start location and an end location; receiving, by the at least one processor, from a first remote data source, historical accident information comprising an accident location and accident loss information associated with an accident occurrence on a road segment of the travel route being traveled by the vehicle located between the start location and the end location of the travel route being traveled by the vehicle; receiving, by the at least one processor, from a second remote data source, real-time traffic information identifying traffic volume along the travel route being traveled by the vehicle; while the travel route is being traveled by the vehicle, calculating, by the at least one processor, a risk value for the road segment of the travel route based on the historical accident information received from the first remote data source, based on the real-time traffic information received from the second remote data source, and based on a direction of travel of the vehicle through the road segment of the travel route, wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a first value when the direction of travel of the vehicle through the road segment of the travel route is a first direction of travel, and wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a second value different from the first value when the direction of travel of the vehicle through the road segment of the travel route is a second direction of travel opposite to the first direction of travel; determine that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to a low risk value; based on determining that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to the low risk value, determine to provide a discount on an insurance policy associated with the vehicle; and while the travel route is being traveled by the vehicle, sending, by the at least one processor, to a navigation device located in the vehicle, the risk value for the road segment of the travel route calculated by the at least one processor and information associated with the discount on the insurance policy associated with the vehicle, wherein sending the risk value for the road segment of the travel route calculated by the at least one processor to the navigation device located in the vehicle causes the navigation device located in the vehicle to display, while the travel route is being traveled by the vehicle, an indication of risk associated with the travel route being traveled by the vehicle based on the risk value for the road segment of the travel route calculated by the at least one processor and the information associated with the discount on the insurance policy associated with the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computing device, comprising:
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at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing device to; detect, by the at least one processor, a travel route being traveled by a vehicle, the travel route being traveled by the vehicle having a start location and an end location; receive, by the at least one processor, from a first remote data source, historical accident information comprising an accident location and accident loss information associated with an accident occurrence on a road segment of the travel route being traveled by the vehicle located between the start location and the end location of the travel route being traveled by the vehicle; receive, by the at least one processor, from a second remote data source, real-time traffic information identifying traffic volume along the travel route being traveled by the vehicle; while the travel route is being traveled by the vehicle, calculate, by the at least one processor, a risk value for the road segment of the travel route based on the historical accident information received from the first remote data source, based on the real-time traffic information received from the second remote data source, and based on a direction of travel of the vehicle through the road segment of the travel route, wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a first value when the direction of travel of the vehicle through the road segment of the travel route is a first direction of travel, and wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a second value different from the first value when the direction of travel of the vehicle through the road segment of the travel route is a second direction of travel opposite to the first direction of travel; determine, by the at least one processor, that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to a low risk value; based on determining that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to the low risk value, determine, by the at least one processor, to provide a discount on an insurance policy associated with the vehicle; and while the travel route is being traveled by the vehicle, send, by the at least one processor, to a navigation device located in the vehicle, the risk value for the road segment of the travel route calculated by the at least one processor and information associated with the discount on the insurance policy associated with the vehicle, wherein sending the risk value for the road segment of the travel route calculated by the at least one processor to the navigation device located in the vehicle causes the navigation device located in the vehicle to display, while the travel route is being traveled by the vehicle, an indication of risk associated with the travel route being traveled by the vehicle based on the risk value for the road segment of the travel route calculated by the at least one processor and the information associated with the discount on the insurance policy associated with the vehicle. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. One or more non-transitory computer-readable media storing instructions that, when executed by a computing device comprising at least one processor and memory, cause the computing device to:
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detect, by the at least one processor, a travel route being traveled by a vehicle, the travel route being traveled by the vehicle having a start location and an end location; receive, by the at least one processor, from a first remote data source, historical accident information comprising an accident location and accident loss information associated with an accident occurrence on a road segment of the travel route being traveled by the vehicle located between the start location and the end location of the travel route being traveled by the vehicle; receive, by the at least one processor, from a second remote data source, real-time traffic information identifying traffic volume along the travel route being traveled by the vehicle; while the travel route is being traveled by the vehicle, calculate, by the at least one processor, a risk value for the road segment of the travel route based on the historical accident information received from the first remote data source, based on the real-time traffic information received from the second remote data source, and based on a direction of travel of the vehicle through the road segment of the travel route, wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a first value when the direction of travel of the vehicle through the road segment of the travel route is a first direction of travel, and wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a second value different from the first value when the direction of travel of the vehicle through the road segment of the travel route is a second direction of travel opposite to the first direction of travel; determine, by the at least one processor, that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to a low risk value; based on determining that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to the low risk value, determine, by the at least one processor, to provide a discount on an insurance policy associated with the vehicle; and while the travel route is being traveled by the vehicle, send, by the at least one processor, to a navigation device located in the vehicle, the risk value for the road segment of the travel route calculated by the at least one processor and information associated with the discount on the insurance policy associated with the vehicle, wherein sending the risk value for the road segment of the travel route calculated by the at least one processor to the navigation device located in the vehicle causes the navigation device located in the vehicle to display, while the travel route is being traveled by the vehicle, an indication of risk associated with the travel route being traveled by the vehicle based on the risk value for the road segment of the travel route calculated by the at least one processor and the information associated with the discount on the insurance policy associated with the vehicle. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification