Event based insurance model
First Claim
1. A system, comprising:
- a computer-readable storage media;
a plurality of vehicle sensors of a first vehicle;
a first computing device in the first vehicle, wherein the first computing device comprises a plurality of device sensors; and
a second computing device that is remote from the first computing device and configured to;
while a first driver is driving the first vehicle, identify a person in proximity to the first driver, wherein the person in proximity to the first driver comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle;
retrieve, from the computer-readable storage media, data indicating a driving influence of the identified person;
determine, based on the data indicating the driving influence of the identified person, an influence score related to the identified person;
determine, based on the influence score related to the identified person, a first recommendation for the first driver to perform a first action;
provide, to the first computing device and via a wireless communication system, the first recommendation for output to the first driver;
selecting, based on the first recommendation and from among the plurality of vehicle sensors and the plurality of device sensors, at least one first sensor from which to obtain first drive data to evaluate for a reaction of the first driver to the first recommendation;
determine, based on the first drive data obtained from the selected at least one first sensor, a first reaction of the first driver to the first recommendation;
determine, based on a comparison of the first reaction with the first action, that the first driver followed the first recommendation; and
in response to determining that the first driver followed the first recommendation;
determine a first adjustment to an insurance payment associated with an insurance policy for the first driver; and
store, in the computer-readable storage media, the first adjustment in association with the insurance policy for the first driver.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods, computer-readable media, software, and apparatuses provide a system for providing an event based insurance model in which insurance rates are adjusted based on events occurring during a drive. The system may include computing devices in one or more vehicles or in a cloud. Using such computing devices, the system may provide recommendations to drivers based on their surroundings. In particular, the system may identify individuals, such as passengers and other drivers, in proximity to a particular vehicle and provide recommendations to the driver of that vehicle when such individuals might negatively influence the driver'"'"'s performance or otherwise be a danger to the driver. The system may also monitor the driver'"'"'s reactions to recommendations and determine adjustments to insurance rates based on such reactions.
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Citations
22 Claims
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1. A system, comprising:
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a computer-readable storage media; a plurality of vehicle sensors of a first vehicle; a first computing device in the first vehicle, wherein the first computing device comprises a plurality of device sensors; and a second computing device that is remote from the first computing device and configured to; while a first driver is driving the first vehicle, identify a person in proximity to the first driver, wherein the person in proximity to the first driver comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle; retrieve, from the computer-readable storage media, data indicating a driving influence of the identified person; determine, based on the data indicating the driving influence of the identified person, an influence score related to the identified person; determine, based on the influence score related to the identified person, a first recommendation for the first driver to perform a first action; provide, to the first computing device and via a wireless communication system, the first recommendation for output to the first driver; selecting, based on the first recommendation and from among the plurality of vehicle sensors and the plurality of device sensors, at least one first sensor from which to obtain first drive data to evaluate for a reaction of the first driver to the first recommendation; determine, based on the first drive data obtained from the selected at least one first sensor, a first reaction of the first driver to the first recommendation; determine, based on a comparison of the first reaction with the first action, that the first driver followed the first recommendation; and in response to determining that the first driver followed the first recommendation; determine a first adjustment to an insurance payment associated with an insurance policy for the first driver; and store, in the computer-readable storage media, the first adjustment in association with the insurance policy for the first driver. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 16, 17, 18, 19, 22)
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10. A computing device, comprising:
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a network interface configured to communicate with one or more mobile devices remote from the computing device; and one or more processors configured to cause the computing device to; while a first driver is driving a first vehicle, identify a person in proximity to the first driver, wherein the person in proximity to the first driver comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle; retrieve, from a computer-readable storage media, data indicating a driving influence of the identified person; determine, based on the data indicating the driving influence of the identified person, an influence score related to the identified person; determine, based on the influence score related to the identified person, a recommendation for the first driver to perform an action; provide, to a particular mobile device in the first vehicle and among the one or more mobile devices, the recommendation for output to the first driver; selecting, based on the recommendation and from among a plurality of vehicle sensors of the first vehicle and a plurality of device sensors of the particular mobile device, at least one sensor from which to obtain drive data to evaluate for a reaction of the first driver to the recommendation; determine, based on the drive data obtained from the selected at least one sensor, the reaction of the first driver to the recommendation; determine, based on a comparison of the reaction with the action, that the first driver followed the recommendation; and in response to determining that the first driver followed the recommendation; determine an adjustment to an insurance payment associated with an insurance policy for the first driver; and store, in the computer-readable storage media, the adjustment in association with the insurance policy for the first driver. - View Dependent Claims (11, 12, 20)
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13. A method, comprising:
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configuring a computing device with an event manager; registering the computing device with an event management system; while a first driver is driving a first vehicle comprising the computing device, identifying a person in proximity to the computing device, wherein the person in proximity to the computing device comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle; retrieving, from a computer-readable storage media, data indicating a driving influence of the identified person; determining, based on the data indicating the driving influence of the identified person, an influence score related to the identified person; determining, based on the influence score related to the identified person, a recommendation for the first driver to perform an action; providing, to the computing device, and while the first driver is driving the first vehicle, the recommendation for the first driver to perform the action; selecting, based on the recommendation and from among a plurality of vehicle sensors of the first vehicle and a plurality of device sensors of the computing device, at least one sensor from which to collect drive data to evaluate for a reaction of the first driver to the recommendation; determining, based on the drive data collected from the selected at least one sensor, the reaction of the first driver to the recommendation; determining, based on a comparison of the reaction with the action, that the first driver followed the recommendation; and in response to determining that the first driver followed the recommendation; determining an adjustment to an insurance payment associated with an insurance policy for the first driver; and storing, in a computer-readable storage media, the adjustment in association with the insurance policy for the first driver. - View Dependent Claims (14, 15, 21)
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Specification