SYSTEMS AND METHODS FOR SURFACE SEGMENT DATA
First Claim
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1. A method, comprising:
- determining, by a specially-programmed processing device, information descriptive of an amount of time a vehicle spends on a first type of surface segment;
determining, by the processing device, information descriptive of an amount of time the vehicle spends on a second type of surface segment;
determining, by the processing device, a first risk metric of the first type of surface segment;
determining, by the processing device, a second risk metric of the second type of surface segment;
determining, by the processing device and based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;
determining, by the processing device and based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and
determining, by the processing device and based at least in part on the first and second risk exposures, an insurance rate for the vehicle.
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Abstract
Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data.
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Citations
20 Claims
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1. A method, comprising:
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determining, by a specially-programmed processing device, information descriptive of an amount of time a vehicle spends on a first type of surface segment; determining, by the processing device, information descriptive of an amount of time the vehicle spends on a second type of surface segment; determining, by the processing device, a first risk metric of the first type of surface segment; determining, by the processing device, a second risk metric of the second type of surface segment; determining, by the processing device and based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure; determining, by the processing device and based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and determining, by the processing device and based at least in part on the first and second risk exposures, an insurance rate for the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An apparatus, comprising:
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a processing device; and a memory device in communication with the processing device, the memory device storing instructions that when executed by the processing device result in; determining information descriptive of an amount of time a vehicle spends on a first type of surface segment; determining information descriptive of an amount of time the vehicle spends on a second type of surface segment; determining a first risk metric of the first type of surface segment; determining a second risk metric of the second type of surface segment; determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure; determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A computer-readable memory storing instructions that when executed by a processing device result in:
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determining information descriptive of an amount of time a vehicle spends on a first type of surface segment; determining information descriptive of an amount of time the vehicle spends on a second type of surface segment; determining a first risk metric of the first type of surface segment; determining a second risk metric of the second type of surface segment; determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure; determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle.
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Specification