SYSTEM AND METHOD FOR MONITORING DRIVING TO DETERMINE AN INSURANCE PROPERTY
First Claim
Patent Images
1. A computer readable storage medium comprising program code for causing one or more processors to perform a method, the method comprising:
- receiving driving data for a vehicle based on sensor data from one or more sensors external to the vehicle, the driving data comprising identification data for one or more of the vehicle and a driver of the vehicle;
determining risk data associated with one or more of the vehicle and the driver based on the driving data; and
automatically determining a property of an insurance policy associated with one or more of the vehicle and the driver based on the risk data.
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Abstract
A method for determining a property of an insurance policy includes receiving driving data for a vehicle based on sensor data from one or more sensors external to the vehicle. The driving data includes identification data for one or more of the vehicle and a driver of the vehicle. The method includes determining risk data associated with one or more of the vehicle and the driver based on the driving data. The method further includes automatically determining a property of an insurance policy associated with one or more of the vehicle and the driver based on the risk data.
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Citations
286 Claims
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1. A computer readable storage medium comprising program code for causing one or more processors to perform a method, the method comprising:
receiving driving data for a vehicle based on sensor data from one or more sensors external to the vehicle, the driving data comprising identification data for one or more of the vehicle and a driver of the vehicle; determining risk data associated with one or more of the vehicle and the driver based on the driving data; and automatically determining a property of an insurance policy associated with one or more of the vehicle and the driver based on the risk data. - View Dependent Claims (2, 6, 9, 13, 42, 46, 63, 64, 66, 67, 76, 90, 91, 93, 108, 109, 115, 118, 120, 121, 122, 128, 129, 140, 141, 142, 147, 148, 157, 160)
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166. A system comprising:
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a sensor data component configured to receive sensor data from one or more sensors external to a vehicle; a driving data component configured to generate driving data for the vehicle based on sensor data, the driving data comprising identification data for one or more of the vehicle and a driver of the vehicle; an identification component configured to determine, based on the identification data, an insurance provider that provides an insurance policy corresponding to one of the vehicle and the driver; and a routing component configured to provide the driving data to the insurance provider, wherein the insurance provider determines a property of the insurance policy based on the driving data. - View Dependent Claims (177, 178, 187, 188, 212, 223, 236, 240, 249, 253, 283, 284, 285)
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Specification