Systems and methods for dynamic insurance premiums
First Claim
1. A method of calculating an insurance premium for a driverless vehicle, the method comprising:
- detecting a first occupant of the driverless vehicle;
establishing data communication, utilizing a processor based machine, between an insurance premium calculator and an onboard vehicle system of the driverless vehicle, the insurance premium calculator hosted by an insurance company and remote to the onboard vehicle system;
causing, by the processor based machine, the onboard vehicle system to provide at least one signal indicative of a first amount of time the first occupant is in active control of the driverless vehicle to the insurance premium calculator during a period;
causing, by the processor based machine, the onboard vehicle system to provide at least one signal indicative of a second amount of time that the vehicle is operated without a driver to the insurance premium calculator during the period; and
modifying an insurance rate for a subsequent period based on the first amount of time and the second amount of time using the insurance premium calculator;
the first amount of time the first occupant is in active control of the driverless vehicle; and
the second amount of time that the vehicle is operated without a driver.
1 Assignment
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Accused Products
Abstract
In an example, an insurance premium for a driverless vehicle is calculated by monitoring an amount of time a first occupant is in active control of the driverless vehicle during a period and modifying an insurance rate for a subsequent period based on the amount of time the first occupant is in active control of the driverless vehicle. In another example, an insurance premium for an intelligent vehicle is calculated by receiving at a computerized insurance system, from the intelligent vehicle, an indication of the intelligent vehicle'"'"'s condition and calculating the insurance premium for an insurance policy that covers the intelligent vehicle based at least in part on the indication of the intelligent vehicle'"'"'s condition.
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Citations
19 Claims
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1. A method of calculating an insurance premium for a driverless vehicle, the method comprising:
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detecting a first occupant of the driverless vehicle; establishing data communication, utilizing a processor based machine, between an insurance premium calculator and an onboard vehicle system of the driverless vehicle, the insurance premium calculator hosted by an insurance company and remote to the onboard vehicle system; causing, by the processor based machine, the onboard vehicle system to provide at least one signal indicative of a first amount of time the first occupant is in active control of the driverless vehicle to the insurance premium calculator during a period; causing, by the processor based machine, the onboard vehicle system to provide at least one signal indicative of a second amount of time that the vehicle is operated without a driver to the insurance premium calculator during the period; and modifying an insurance rate for a subsequent period based on the first amount of time and the second amount of time using the insurance premium calculator; the first amount of time the first occupant is in active control of the driverless vehicle; and the second amount of time that the vehicle is operated without a driver. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-readable medium hosted by an insurance company comprising instructions for calculating an insurance premium for a driverless vehicle, which when executed by a computer, cause the computer to:
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detect a first occupant of the driverless vehicle; establish data communication with an onboard vehicle system of the driverless vehicle remote to the computer; cause the onboard vehicle system to provide at least one signal indicative of a first percentage of time the first occupant is in active control of the driverless vehicle to the computer during a period; cause the onboard vehicle system to provide at least one signal indicative of a second percentage of time that the vehicle is operated without a driver to the computer during the period; and modify an insurance rate for a subsequent period based on the first percentage of time and the second percentage of time using the computer, the first percentage of time the first occupant is in active control of the driverless vehicle, and the second percentage of time that the vehicle is operated without a driver. - View Dependent Claims (9, 10, 11, 12, 13)
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14. A system for calculating an insurance premium for a driverless vehicle and hosted by an insurance company, the system comprising:
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a processor; and a memory coupled to the processor, the memory containing instructions, which when executed by the processor, cause the system to; establish data communication with an onboard vehicle system of the driverless vehicle remote to the system; cause the onboard vehicle system to provide at least one signal indicative of a first amount of time a first occupant is in active control of the driverless vehicle to the system during a period; cause the onboard vehicle system to provide at least one signal indicative of a second amount of time a first occupant is in active control of the driverless vehicle to the system during the period; modify an insurance rate for a subsequent period based on both; the first amount of time the first occupant is in active control of the driverless vehicle; and the second amount of time the vehicle is operated without a driver. - View Dependent Claims (15, 16, 17, 18, 19)
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Specification