Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data
First Claim
1. A computer implemented method, comprising:
- identifying, by a remote computing device, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data comprising an identification of one or more physical aspects of the vehicle operator and an image of the vehicle operator;
changing, by a vehicle module installed in a vehicle, a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the identification of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the identification of the vehicle operator matches a vehicle operator who is insured to operate the vehicle;
calculating, by the remote computing device, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operator identity data, the vehicle operator, and vehicle operation data such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle,wherein the vehicle operation data is based upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle.
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Accused Products
Abstract
The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.
297 Citations
20 Claims
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1. A computer implemented method, comprising:
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identifying, by a remote computing device, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data comprising an identification of one or more physical aspects of the vehicle operator and an image of the vehicle operator; changing, by a vehicle module installed in a vehicle, a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the identification of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the identification of the vehicle operator matches a vehicle operator who is insured to operate the vehicle; calculating, by the remote computing device, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operator identity data, the vehicle operator, and vehicle operation data such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle, wherein the vehicle operation data is based upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A vehicle module installed in a vehicle, comprising:
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one or more processors configured to; generate vehicle operator identity data associated with a vehicle operator, the vehicle operator identity data being partially based upon vehicle sensor data, the vehicle operator identity data comprising an identification of one or more physical aspects of the vehicle operator and an image of the vehicle operator; change a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when a determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle; and generate vehicle operation data based upon the vehicle sensor data, the vehicle operation data being representative of an operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and a network interface configured to transmit the vehicle operator identity data and the vehicle operation data to a remote server, wherein the remote server calculates comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operator identity data, the vehicle operator, and the vehicle operation data such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A server, comprising:
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a network interface configured to; receive, from a vehicle module installed in a vehicle, vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data comprising an identification of one or more physical aspects of a vehicle operator and an image of the vehicle operator, the vehicle module changing a state of the vehicle to (i) prevent vehicle operators from operating the vehicle when a determined identity of a vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow vehicle operators to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle; and receive, from the vehicle module, vehicle operation data that is based upon the vehicle sensor data, the vehicle operation data being representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and one or more processors configured to calculate comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operator identity data, the vehicle operator, and the vehicle operation data such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification