AUTONOMOUS VEHICLE TECHNOLOGY EFFECTIVENESS DETERMINATION FOR INSURANCE PRICING
First Claim
1. A computer-implemented method of evaluating effectiveness of autonomous or semi-autonomous vehicle technologies for controlling a vehicle to avoid or mitigate vehicle accidents, the method comprising:
- implementing, by one or more processors of a test computing system, the plurality of autonomous or semi-autonomous vehicle technologies within a virtual test environment configured to simultaneously test multiple autonomous or semi-autonomous vehicle technologies;
presenting, by the one or more processors of the test computing system, virtual test sensor data to the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment, wherein the virtual test sensor data simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment;
generating, by the one or more processors of the test computing system, test responses of the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment in response to the virtual test sensor data;
generating, by the one or more processors of the test computing system, an effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies based upon the test responses, wherein the effectiveness metric indicates combined reliability of the plurality of autonomous or semi-autonomous vehicle technologies;
receiving, by one or more processors of a computing system, an indication of the vehicle having the plurality of autonomous or semi-autonomous vehicle technologies; and
updating, by the one or more processors of the computing system, an insurance policy associated with the vehicle based upon the effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies.
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Accused Products
Abstract
Methods and systems for determining the effectiveness of one or more autonomous (and/or semi-autonomous) operation features of a vehicle are provided. According to certain aspects, information regarding autonomous operation features of the vehicle may be used to determine an effectiveness metric indicative of the ability of each autonomous operation feature to avoid or mitigate accidents or other losses. The information may include operating data from the vehicle or other vehicles having similar autonomous operation features, test data, or loss data from other vehicles. The determined effectiveness metric may then be used to determine part or all of an insurance policy, which may be reviewed by an insured and updated based upon the effectiveness metric.
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Citations
20 Claims
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1. A computer-implemented method of evaluating effectiveness of autonomous or semi-autonomous vehicle technologies for controlling a vehicle to avoid or mitigate vehicle accidents, the method comprising:
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implementing, by one or more processors of a test computing system, the plurality of autonomous or semi-autonomous vehicle technologies within a virtual test environment configured to simultaneously test multiple autonomous or semi-autonomous vehicle technologies; presenting, by the one or more processors of the test computing system, virtual test sensor data to the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment, wherein the virtual test sensor data simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment; generating, by the one or more processors of the test computing system, test responses of the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment in response to the virtual test sensor data; generating, by the one or more processors of the test computing system, an effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies based upon the test responses, wherein the effectiveness metric indicates combined reliability of the plurality of autonomous or semi-autonomous vehicle technologies; receiving, by one or more processors of a computing system, an indication of the vehicle having the plurality of autonomous or semi-autonomous vehicle technologies; and updating, by the one or more processors of the computing system, an insurance policy associated with the vehicle based upon the effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer system for evaluating effectiveness of autonomous or semi-autonomous vehicle technologies for controlling a vehicle to avoid or mitigate vehicle accidents, comprising:
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a test computing system including one or more processors and a non-transitory program memory coupled to the one or more processors and storing executable instructions that, when executed by the one or more processors, cause the test computing system to; implement the plurality of autonomous or semi-autonomous vehicle technologies within a virtual test environment configured to simultaneously test multiple autonomous or semi-autonomous vehicle technologies; present virtual test sensor data to the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment, wherein the virtual test sensor data simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment; generate test responses of the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment in response to the virtual test sensor data; and generate an effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies based upon the test responses, wherein the effectiveness metric indicates combined reliability of the plurality of autonomous or semi-autonomous vehicle technologies; and a computing system including one or more processors and a non-transitory program memory coupled to the one or more processors and storing executable instructions that, when executed by the one or more processors, cause the test computing system to; receive an indication of the vehicle having the plurality of autonomous or semi-autonomous vehicle technologies; and update an insurance policy associated with the vehicle based upon the effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A tangible, non-transitory computer-readable medium storing instructions for evaluating effectiveness of autonomous or semi-autonomous vehicle technologies for controlling a vehicle to avoid or mitigate vehicle accidents that, when executed by at least one processor of a computer system, cause the computer system to:
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implement the plurality of autonomous or semi-autonomous vehicle technologies within a virtual test environment of a test computing system configured to simultaneously test multiple autonomous or semi-autonomous vehicle technologies; present virtual test sensor data to the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment, wherein the virtual test sensor data simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment; generate test responses of the plurality of autonomous or semi-autonomous vehicle technologies implemented within the virtual test environment in response to the virtual test sensor data; generate an effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies based upon the test responses, wherein the effectiveness metric indicates combined reliability of the plurality of autonomous or semi-autonomous vehicle technologies; receive an indication of the vehicle having the plurality of autonomous or semi-autonomous vehicle technologies; and update an insurance policy associated with the vehicle based upon the effectiveness metric associated with the plurality of autonomous or semi-autonomous vehicle technologies. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification