Method and Apparatus for Determining Insurance Risk Based on Monitoring Driver's Eyes and Head
First Claim
Patent Images
1. An insurance risk rating system comprising:
- a driver sensor that obtains driver behavior data of a driver of a vehicle by monitoring at least one of the driver'"'"'s head and one or more of the driver'"'"'s eyes;
a processing unit that compares the driver behavior data with reference data that relates the driver behavior data to loss data; and
a risk rating unit that assigns a risk rating to the driver based on a result of the comparison by the processing unit.
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Abstract
An insurance risk rating system and method are provided. The insurance risk rating system includes a driver sensor that obtains driver behavior data by monitoring at least one of the driver'"'"'s head and one or more of the driver'"'"'s eyes, a processing unit that compares the driver behavior data with reference data that relates the driver behavior data to loss data, and a risk rating unit that assigns a risk rating to the driver based on a result of the comparison by the processing unit.
107 Citations
20 Claims
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1. An insurance risk rating system comprising:
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a driver sensor that obtains driver behavior data of a driver of a vehicle by monitoring at least one of the driver'"'"'s head and one or more of the driver'"'"'s eyes; a processing unit that compares the driver behavior data with reference data that relates the driver behavior data to loss data; and a risk rating unit that assigns a risk rating to the driver based on a result of the comparison by the processing unit. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An insurance risk rating method comprising:
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obtaining driver behavior data of a driver of a vehicle by monitoring at least one of the driver'"'"'s head and one or more of the driver'"'"'s eyes; comparing the driver behavior data with reference data that relates the driver behavior data to loss data; and assigning a risk rating to the driver based on a result of the comparing. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification