Route risk mitigation
First Claim
1. An apparatus, comprising:
- a processor configured to execute computer-executable instructions stored in a memory;
a telematics device, which is in communication with the processor, configured to monitor consumption of risk units; and
the memory containing computer-executable instructions, which when executed by the processor, cause the apparatus to perform steps comprising;
calculating a route from a start location to an end location;
receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information;
calculating a route risk score for the route, wherein the route risk score is calculated using at least the accident information, wherein vehicle direction through the route is a factor in calculating a route risk score for the route, wherein a road segment of the route has a higher risk score for a vehicle travelling in a first direction and a lower risk score for a vehicle traveling in a second direction, wherein the first direction and second direction are in opposite directions;
sending the calculated route and the route risk score to an output device, wherein the route risk score indicates safety risk of the route independent of a specific driver;
calculating total risk units consumed while traveling from the start point to the end point of the calculated route; and
transmitting, using the telematics device, the total consumed risk units.
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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
23 Claims
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1. An apparatus, comprising:
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a processor configured to execute computer-executable instructions stored in a memory; a telematics device, which is in communication with the processor, configured to monitor consumption of risk units; and the memory containing computer-executable instructions, which when executed by the processor, cause the apparatus to perform steps comprising; calculating a route from a start location to an end location; receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information; calculating a route risk score for the route, wherein the route risk score is calculated using at least the accident information, wherein vehicle direction through the route is a factor in calculating a route risk score for the route, wherein a road segment of the route has a higher risk score for a vehicle travelling in a first direction and a lower risk score for a vehicle traveling in a second direction, wherein the first direction and second direction are in opposite directions; sending the calculated route and the route risk score to an output device, wherein the route risk score indicates safety risk of the route independent of a specific driver; calculating total risk units consumed while traveling from the start point to the end point of the calculated route; and transmitting, using the telematics device, the total consumed risk units. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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receiving a start location at an input device in communication with a processor; receiving an end location at the input device; receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information; retrieving a segment value for each of a plurality of road segments corresponding to a travel route of a vehicle from the start location to the end location, wherein a risk score for a segment is based on the vehicle direction through the road segment, wherein a road segment of the route has a higher risk score for a vehicle travelling in a first direction and the same road segment has a lower risk score for a vehicle traveling in a second direction, wherein the first direction and second direction are in opposite directions; aggregating the segment values, using the processor, to calculate a route risk score for the travel route, wherein the route risk score is calculated using at least the accident information; and sending the travel route and the route risk score to an output device in communication with the processor, wherein the route risk score indicates risk of a vehicular incident through the route independent of a specific driver; calculating total risk units consumed while traveling from the start point to the end point of the travel route; and transmitting, using a telematics device in communication with the processor and configured to monitor consumption of risk units, the total consumed risk units. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A non-transitory computer-readable medium storing computer-executable instructions, which when executed by a processor, cause a computing device, which comprises a telematics device configured to monitor consumption of risk units, to perform steps comprising:
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receiving a travel route of a vehicle, wherein the travel route comprises a start location and an end location; receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information, wherein the route risk score is calculated using at least the accident information; calculating a route risk score for the travel route, wherein the route risk score is calculated using at least the accident information, wherein vehicle direction is a factor in calculating the risk score for the travel route, wherein the risk score indicates safety risk of the route independent of a specific driver; calculating total risk units consumed while traveling from the start point to the end point of the travel route; transmitting, using the telematics device, the total consumed risk units; and transmitting the calculated route risk score using the processor. - View Dependent Claims (22, 23)
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Specification