Route Risk Mitigation
First Claim
1. A system comprising:
- a vehicle;
a location detection unit, located in the vehicle, configured to detect locations of the vehicle comprising at least a first location and a second location;
a computer processor in communication with the location detection unit;
a display device in communication with the computer processor; and
a computer memory storing instructions that, when executed by the processor, cause the system to;
calculate a safety risk score for each of a plurality of routes of the vehicle between the first location and the second location, wherein calculating the safety risk score of each route of the vehicle comprises using direction of the vehicle through a segment of each route as a factor in calculating the safety risk score;
identify a lowest risk route between the first location and the second location, the lowest risk route having a lowest calculated safety risk score of the plurality of routes of the vehicle between the first location and the second location; and
based on a travelled route between the first location and the second location, adjust an insurance cost associated with the vehicle.
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Accused Products
Abstract
A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.
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Citations
21 Claims
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1. A system comprising:
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a vehicle; a location detection unit, located in the vehicle, configured to detect locations of the vehicle comprising at least a first location and a second location; a computer processor in communication with the location detection unit; a display device in communication with the computer processor; and a computer memory storing instructions that, when executed by the processor, cause the system to; calculate a safety risk score for each of a plurality of routes of the vehicle between the first location and the second location, wherein calculating the safety risk score of each route of the vehicle comprises using direction of the vehicle through a segment of each route as a factor in calculating the safety risk score; identify a lowest risk route between the first location and the second location, the lowest risk route having a lowest calculated safety risk score of the plurality of routes of the vehicle between the first location and the second location; and based on a travelled route between the first location and the second location, adjust an insurance cost associated with the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising:
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receiving, by a location detection unit located in a vehicle, a plurality of locations of the vehicle comprising at least a first location and a second location; retrieving, by a risk unit consumption processor in communication with the location detection unit, segment risk values for a plurality of road segments comprising a route of the vehicle from the first location to the second location, wherein a segment risk value is based on two or more of accident information, road topology information, weather condition information, and a direction of vehicle travel through a corresponding road segment; and aggregating, by the risk unit consumption processor, the segment values for the plurality of road segments to calculate a total route risk value for each route of a plurality of routes between the first location and the second location, wherein the total route risk value indicates safety risk of the route independent of a specific driver of the vehicle; and determining a cost of insurance coverage for the vehicle based on an identified route of the plurality of routes having a lowest route risk value; and adjusting, when the vehicle travels a route other than the identifier route having the lowest route risk value, the cost of insurance coverage for the vehicle based on a difference between the lowest route risk value and the route risk value corresponding to the route traveled by the vehicle. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A non-transitory computer-readable medium storing computer-executable instructions that, when executed by a processor, cause a telematics device, to:
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calculate a first safety risk score of a first route of a vehicle between a first location and a second location based on a direction of the vehicle along the first route, wherein the first route is identified as having a lowest safety risk score of a plurality of routes between the first location and the second location; calculate a second safety risk score of a second route of a vehicle between the first location and the second location based on a direction of the vehicle along the second route; and identify whether the vehicle has traveled along the first route or the second route; and adjust at least one of an insurance cost or an insurance reward based on the identified route along which the vehicle traveled. - View Dependent Claims (20, 21)
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Specification