Route Risk Mitigation
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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. (canceled)
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2. A method, comprising:
at a computer system comprising a computer processor and a computer memory; calculating, by the computer processor, a safety risk score for at least two routes of a vehicle between a first location and a second location, wherein calculating the safety risk score for the at least two routes of the vehicle between the first location and the second location comprises using direction of the vehicle through one or more respective road segments of each route of the at least two routes as a factor in calculating the safety risk score for the corresponding route of the at least two routes, wherein at least one road segment of the one or more respective road segments of each route of the at least two routes has a higher segment value for travel in a first direction than for travel in an opposite direction, and wherein the segment value of the at least one road segment is determined based on historical accident information identifying an accident location and a direction of vehicular travel at the accident location; identifying, by the computer processor, 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 at least two routes of the vehicle between the first location and the second location; receiving, by the computer processor, from a computing device associated with a driver of the vehicle, information identifying a route traveled by the vehicle between the first location and the second location; identifying, by the computer processor, based on the information identifying the route traveled by the vehicle between the first location and the second location, whether the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location; based on identifying that the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location, adjusting, by the computer processor, an insurance cost associated with the vehicle based on a safety risk score associated with the route traveled by the vehicle between the first location and the second location; and based on adjusting the insurance cost associated with the vehicle, sending, by the computer processor, to the computing device associated with the driver of the vehicle, a notification of a credit based on the vehicle having consumed less risk units at an end of a policy period than was initially purchased or a notification of a debit based on the vehicle having consumed more risk units at the end of the policy period than was initially purchased, wherein sending the notification of the credit to the computing device causes the computing device to present the notification of the credit, and wherein sending the notification of the debit to the computing device causes the computing device to present the notification of the debit. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer system, comprising:
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a computer processor; and a computer memory storing instructions that, when executed by the computer processor, cause the computer system to; calculate a safety risk score for at least two routes of a vehicle between a first location and a second location, wherein calculating the safety risk score for the at least two routes of the vehicle between the first location and the second location comprises using direction of the vehicle through one or more respective road segments of each route of the at least two routes as a factor in calculating the safety risk score for the corresponding route of the at least two routes, wherein at least one road segment of the one or more respective road segments of each route of the at least two routes has a higher segment value for travel in a first direction than for travel in an opposite direction, and wherein the segment value of the at least one road segment is determined based on historical accident information identifying an accident location and a direction of vehicular travel at the accident location; 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 at least two routes of the vehicle between the first location and the second location; receive, from a computing device associated with a driver of the vehicle, information identifying a route traveled by the vehicle between the first location and the second location; identify, based on the information identifying the route traveled by the vehicle between the first location and the second location, whether the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location; based on identifying that the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location, adjust an insurance cost associated with the vehicle based on a safety risk score associated with the route traveled by the vehicle between the first location and the second location; and based on adjusting the insurance cost associated with the vehicle, send, to the computing device associated with the driver of the vehicle, a notification of a credit based on the vehicle having consumed less risk units at an end of a policy period than was initially purchased or a notification of a debit based on the vehicle having consumed more risk units at the end of the policy period than was initially purchased, wherein sending the notification of the credit to the computing device causes the computing device to present the notification of the credit, and wherein sending the notification of the debit to the computing device causes the computing device to present the notification of the debit. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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21. One or more non-transitory computer-readable media storing instructions that, when executed by a computer system comprising a computer processor and a computer memory, cause the computer system to:
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calculate a safety risk score for at least two routes of a vehicle between a first location and a second location, wherein calculating the safety risk score for the at least two routes of the vehicle between the first location and the second location comprises using direction of the vehicle through one or more respective road segments of each route of the at least two routes as a factor in calculating the safety risk score for the corresponding route of the at least two routes, wherein at least one road segment of the one or more respective road segments of each route of the at least two routes has a higher segment value for travel in a first direction than for travel in an opposite direction, and wherein the segment value of the at least one road segment is determined based on historical accident information identifying an accident location and a direction of vehicular travel at the accident location; 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 at least two routes of the vehicle between the first location and the second location; receive, from a computing device associated with a driver of the vehicle, information identifying a route traveled by the vehicle between the first location and the second location; identify, based on the information identifying the route traveled by the vehicle between the first location and the second location, whether the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location; based on identifying that the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location, adjust an insurance cost associated with the vehicle based on a safety risk score associated with the route traveled by the vehicle between the first location and the second location; and based on adjusting the insurance cost associated with the vehicle, send, to the computing device associated with the driver of the vehicle, a notification of a credit based on the vehicle having consumed less risk units at an end of a policy period than was initially purchased or a notification of a debit based on the vehicle having consumed more risk units at the end of the policy period than was initially purchased, wherein sending the notification of the credit to the computing device causes the computing device to present the notification of the credit, and wherein sending the notification of the debit to the computing device causes the computing device to present the notification of the debit.
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Specification