Method for Determining Hazard Detection Proficiency and Rating Insurance Products Based on Proficiency

• US 20140172468A1
• Filed: 08/03/2013
• Published: 06/19/2014
• Est. Priority Date: 03/06/2012
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Nepomuceno, John Adrian
• Granted Patent: US 9,384,674 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: A63G 31/16 creating illusions of travel
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0208 Trade or exchange of goods or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0271 Personalized advertisement
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/20 Education
• CPC Class Codes: G09B 19/14 Traffic procedures, e.g. traffic regulations
• CPC Class Codes: G09B 19/167 Control of land vehicles
• CPC Class Codes: G09B 9/02 for teaching control of vehicles or other craft
• CPC Class Codes: G09B 9/04 for teaching control of land vehicles
• CPC Class Codes: G09B 9/05 the view from a vehicle being simulated G09B9/052, G09B9/058 take precedence
• CPC Class Codes: G09B 9/052 characterised by provision for recording or measuring trainee's performance devices for psychotechnics, e.g. for vehicle drivers A61B5/16, A61B5/18

Abstract

A method for determining an insurance premium based at least in part of a vehicle driver'"'"'s proficiency at detecting hazards, having steps including: visually presenting at least one driving module that comprises at least one hazard; recording where within the visual presentation the driver looks to detect hazards during the visual presentation; determining the driver'"'"'s hazard detection proficiency by evaluating whether the driver looked at hazards during the visual presentation; and calculating an insurance premium based at least in part on the driver'"'"'s hazard detection proficiency.

Claims

1. A method for determining an insurance premium based at least in part of a vehicle driver'"'"'s proficiency at detecting hazards, the method comprising:

visually presenting at least one driving module that comprises at least one hazard;

recording where within the visual presentation the driver looks to detect hazards during the visual presentation;

determining the driver'"'"'s hazard detection proficiency by evaluating whether the driver looked at hazards during the visual presentation; and

calculating an insurance premium based at least in part on the driver'"'"'s hazard detection proficiency.

2. The method for determining an insurance premium as claimed in claim 1, wherein the visually presenting comprises a continuous drive through a driving environment comprised of at least two hazard modules, wherein each hazard module presents at least one driving scenario that comprises at least one hazard.

3. The method for determining an insurance premium as claimed in claim 1, wherein the visually presenting comprises presenting at least one driving environment selected from:

neighborhood, beyond your neighborhood, downtown, and highway.

4. The method for determining an insurance premium as claimed in claim 1, wherein the recording where within the visual presentation the driver looks to detect hazards comprises recording whether the driver timely looks to detect a hazard sufficiently in advance of a point of impact.

5. The method for determining an insurance premium as claimed in claim 1, wherein the determining the driver'"'"'s hazard detection proficiency comprises evaluating whether the driver has detected a minimum percentage of the total number of hazards in the visual presentation.

6. The method for determining an insurance premium as claimed in claim 1, wherein the visually presenting comprises at least two continuous drives each through different driving environments, wherein the determining the driver'"'"'s hazard detection proficiency comprises determining whether the driver has detected a minimum percentage of hazards in each of the at least two continuous drives.

7. The method for determining an insurance premium as claimed in claim 1, wherein the calculating comprises multiplying a total insurance discount by the percent of correctly detected hazards.

8. The method for determining an insurance premium as claimed in claim 1, wherein the visually presenting comprises presenting a plurality of hazard modules in a sequential order the first time the continuous drive is visually presented to the driver, and presenting the plurality of hazard modules in a different sequential order the second time the continuous drive is visually presented to the driver.

9. The method for determining an insurance premium as claimed in claim 1, wherein the recording where within the visual presentation the driver looks to detect hazards comprises detecting mouse clicks within target boxes, wherein the target boxes coincide with the hazards in the visual presentation.

10. The method for determining an insurance premium as claimed in claim 1, wherein the recording where within the visual presentation the driver looks to detect hazards comprises detecting driver eye fixation on hazards in the visual presentation.

11. The method for determining an insurance premium as claimed in claim 1, further comprising reviewing the continuous drive comprising:

replaying the visual presentation;

indicating hazards that the driver detected during the replay of the visual presentation; and

indicating hazards that the driver failed to detect during the replay of the visual presentation.

12. The method for determining an insurance premium as claimed in claim 1, wherein the at least one minimum hazard detection proficiency criteria comprises a minimum percentage of the total number of hazards in the visual presentation.

13. The method for determining an insurance premium as claimed in claim 1, wherein at least one minimum hazard detection proficiency criteria comprises one detected hazard and the comparison of the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria comprises multiplying a total insurance discount by the percent of detected hazards.