Risk analysis based on electronic security levels of a vehicle
First Claim
Patent Images
1. A computer-implemented method comprising:
- causing, by one or more processors of a computing system, a wireless communication link to be established with a vehicle, the wireless communication link communicatively coupling the vehicle and the computing system;
receiving, automatically at regular time intervals, at the computing system, information indicative of protections against unauthorized electronic access to one or more electronic systems of the vehicle via the wireless communication link;
receiving, automatically at the regular time intervals, at the computing system, vehicle identification information stored in the one or more electronic systems of the vehicle via the wireless communication link;
identifying, by the one or more processors, an insurance policy associated with the vehicle based on the received vehicle identification information;
determining, by the one or more processors, a vehicle security level based at least on the information indicative of protections against unauthorized electronic access;
determining, by the one or more processors and based at least on the vehicle security level, a risk rating associated with the vehicle; and
setting, by the one or more processors, at least one parameter of the insurance policy associated with the vehicle based on at least the determined risk rating.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer-implemented method for determining a risk rating of a vehicle. The method includes receiving information indicative of protections against unauthorized electronic access to one or more electronic systems of a vehicle. The method includes determining a vehicle security level based at least on the information indicative of protections against unauthorized electronic access. The method includes determining a risk rating associated with the vehicle. The method includes setting at least one parameter of an insurance policy associated with the vehicle based on at least the determined risk rating.
-
Citations
17 Claims
-
1. A computer-implemented method comprising:
-
causing, by one or more processors of a computing system, a wireless communication link to be established with a vehicle, the wireless communication link communicatively coupling the vehicle and the computing system; receiving, automatically at regular time intervals, at the computing system, information indicative of protections against unauthorized electronic access to one or more electronic systems of the vehicle via the wireless communication link; receiving, automatically at the regular time intervals, at the computing system, vehicle identification information stored in the one or more electronic systems of the vehicle via the wireless communication link; identifying, by the one or more processors, an insurance policy associated with the vehicle based on the received vehicle identification information; determining, by the one or more processors, a vehicle security level based at least on the information indicative of protections against unauthorized electronic access; determining, by the one or more processors and based at least on the vehicle security level, a risk rating associated with the vehicle; and setting, by the one or more processors, at least one parameter of the insurance policy associated with the vehicle based on at least the determined risk rating. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A system comprising:
-
one or more computing devices; and a non-transitory computer-readable memory coupled to the one or more computing devices and storing thereon instructions that, when executed by the one or more computing devices, cause the one or more computing devices to; cause a wireless communication link to be established with a vehicle, the wireless communication link communicatively coupling the vehicle and the computing devices; receive, automatically at regular time intervals, information indicative of protections against unauthorized electronic access to one or more electronic systems of the vehicle via the wireless communication link; receive, automatically at the regular time intervals, vehicle identification information stored in the one or more electronic systems of the vehicle via the wireless communication link; identify an insurance policy associated with the vehicle based on the received vehicle identification information; determine a vehicle security level based at least on the information indicative of protections against unauthorized electronic access; determine, based at least on the vehicle security level, a risk rating associated with the vehicle; and set at least one parameter of the insurance policy associated with the vehicle based on at least the determined risk rating. - View Dependent Claims (8, 9, 10, 11, 12, 13)
-
-
14. A computer-implemented method comprising:
-
causing, by one or more processors of a computing system, a wireless communication link to be established with a vehicle, the wireless communication link communicatively coupling the vehicle and the computing system; receiving, automatically at regular time intervals, at the computing system, information indicative of updated protections against unauthorized electronic access installed on one or more electronic systems of the vehicle via the wireless communication link; receiving, automatically at the regular time intervals, at the computing system, vehicle identification information stored in the one or more electronic systems of the vehicle via the wireless communication link; identifying, by the one or more processors, an insurance policy associated with the vehicle based on the received vehicle identification information; determining, by the one or more processors, a vehicle security level based on the information indicative of the updated protections against unauthorized electronic access; determining, by the one or more processors and based on the vehicle security level, a risk rating associated with the vehicle; and modifying, by the one or more processors, at least one parameter of the insurance policy associated with the vehicle based on the determined risk rating. - View Dependent Claims (15, 16, 17)
-
Specification