Systems and methods for configuring a vehicle
First Claim
Patent Images
1. A configurable vehicle comprising:
- a network of detectors configured to;
monitor vehicle operations relating to vehicle operational settings of the configurable vehicle, andsend vehicle operational information related to the vehicle operations to a configuration system; and
the configuration system comprising;
a memory,a processor, anda vehicle configuration module, running on the processor, to;
configure the configurable vehicle with the vehicle operational settings according to an identity of a driver, wherein the configurable vehicle is configured with at least one vehicle operational setting that cannot be overridden,wherein the vehicle is covered by an insurance policy based at least in part on the vehicle operational settings,wherein the driver is not a policyholder of the insurance policy,process the vehicle operational information from the network of detectors,prevent the driver from overriding the at least one vehicle operational setting that cannot be overridden, andin response to detecting that the driver has overridden an over-rideable vehicle operational setting;
adjust insurance coverage in the insurance policy in real-time to reflect the override of the over-rideable vehicle operational setting, andsend a message to a device associated with the policyholder regarding the override of the over-rideable vehicle operational setting,
wherein the message includes an option for the policyholder to update the vehicle operational settings for the driver.
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Accused Products
Abstract
Methods and systems described in this disclosure identify a driver of a vehicle. The driver may have a profile indicating vehicle settings, and at least one of the vehicle settings may not be overridden by the driver. The vehicle may be configured according to the vehicle settings in the profile, such that the vehicle may not operate outside of at least one of the vehicle settings that cannot be overridden. An insurance rate for insuring the vehicle may be generated based at least in part on the vehicle settings associated with the profile.
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Citations
20 Claims
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1. A configurable vehicle comprising:
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a network of detectors configured to; monitor vehicle operations relating to vehicle operational settings of the configurable vehicle, and send vehicle operational information related to the vehicle operations to a configuration system; and the configuration system comprising; a memory, a processor, and a vehicle configuration module, running on the processor, to; configure the configurable vehicle with the vehicle operational settings according to an identity of a driver, wherein the configurable vehicle is configured with at least one vehicle operational setting that cannot be overridden, wherein the vehicle is covered by an insurance policy based at least in part on the vehicle operational settings, wherein the driver is not a policyholder of the insurance policy, process the vehicle operational information from the network of detectors, prevent the driver from overriding the at least one vehicle operational setting that cannot be overridden, and in response to detecting that the driver has overridden an over-rideable vehicle operational setting; adjust insurance coverage in the insurance policy in real-time to reflect the override of the over-rideable vehicle operational setting, and send a message to a device associated with the policyholder regarding the override of the over-rideable vehicle operational setting,
wherein the message includes an option for the policyholder to update the vehicle operational settings for the driver. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory computer-readable storage medium comprising a set of instructions that, when executed by one or more processors, cause the one or more processors to:
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configure a vehicle with vehicle operational settings according to an identity of a driver, wherein the vehicle is configured with at least one vehicle operational setting that cannot be overridden, wherein the vehicle is covered by an insurance policy based at least in part on the vehicle operational settings, wherein the driver is not a policyholder of the insurance policy, process vehicle operational information received from a network of detectors, prevent the driver from overriding the at least one vehicle operational setting that cannot be overridden; and in response to detecting that the driver has overridden an over-rideable vehicle operational setting; adjust insurance coverage in the insurance policy in real-time to reflect the override of the over-rideable vehicle operational setting, and send a message to a device associated with the policyholder regarding the override of the over-rideable vehicle operational setting, wherein the message includes an option for the policyholder to update the vehicle operational settings for the driver. - View Dependent Claims (10, 11, 12, 13)
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14. A method comprising:
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identifying a driver of a vehicle, the driver having a profile indicating vehicle settings, wherein at least one of the vehicle settings cannot be overridden by the driver, wherein the vehicle is covered by an insurance policy based at least in part on the vehicle settings, wherein the driver is not a policyholder of the insurance policy; configuring the vehicle according to the vehicle settings in the profile, wherein configuring the vehicle according to the vehicle settings comprises preventing the vehicle from operating outside of the at least one of the vehicle settings that cannot be overridden; generating, by a processor, an insurance rate in an insurance policy for insuring the vehicle based at least in part on the vehicle settings in the profile; and in response to detecting that the driver has overridden an over-rideable vehicle setting; adjusting, by the processor, insurance coverage in the insurance policy in real-time to reflect the override of the over-rideable vehicle setting, and sending a message to a device associated with the policyholder regarding the override of the over-rideable vehicle setting, wherein the message includes an option for the policyholder to update the vehicle operational settings for the driver. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification