SYSTEM AND METHOD FOR USE OF CARBON EMISSIONS IN CHARACTERIZING DRIVER PERFORMANCE
First Claim
1. A system for use of carbon emissions in characterizing vehicle driver performance and use in determining insurance coverage comprising:
- a data collection and assessment environment, includingone or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions,a data collection and assessment logic, anda carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and
wherein the data collection and assessment environment is configured to one or bothcompare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, andprovide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver.
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Abstract
A system and method for use of carbon emissions in characterizing driver performance and using such characterization to determine a profile/score associated with a particular insured. The profile/score can then be used to determine an insurance premium for the insured. In accordance with an embodiment, a driver can use a portable device equipped with a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure the carbon emissions associated with a vehicle. A framework (system) can receive information about the driver'"'"'s driving profile, and use this information either to determine an insurance quote, or act as a broker/aggregator in inviting other insurance providers to offer an insurance quote, or usage based insurance quote (UBI).
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Citations
5 Claims
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1. A system for use of carbon emissions in characterizing vehicle driver performance and use in determining insurance coverage comprising:
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a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions, a data collection and assessment logic, and a carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and wherein the data collection and assessment environment is configured to one or both compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, and provide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver. - View Dependent Claims (2)
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3. A method for use of carbon emissions in characterizing vehicle driver performance and use in determining insurance coverage comprising:
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providing a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions, a data collection and assessment logic, and a carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and wherein the data collection and assessment environment is configured to one or both compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, and provide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver. - View Dependent Claims (4)
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5. A non-transitory computer readable medium, including instructions stored thereon which when read and executed by one or more computers cause the one or more computers to perform the steps comprising:
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providing a data collection and assessment environment, including one or more data collection devices that can be used to capture data and information or otherwise measure vehicle actions, a data collection and assessment logic, and a carbon emissions assessment module which includes information about typical carbon emissions, and can compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle; and wherein the data collection and assessment environment is configured to one or both compare current patterns of driving with known patterns to calculate carbon emissions for a current driver/vehicle, and provide the information to an external insurance provider or broker framework to calculate a driver profile, for use in obtaining a usage based insurance quote (UBI) for the driver.
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Specification