Vehicle monitoring system
First Claim
1. A system that determines a future cost of insurance based upon monitoring vehicle sensors, recording vehicle data, and communicating the vehicle data to a central processing system, where the cost of insurance is adjustable based on driving characteristics of a human operator controlled vehicle, comprising:
- an on-board in-vehicle computer and recorder programmed to;
monitor a plurality of data elements from an in-vehicle sensor that are representative of the human operator controlled state of the vehicle or an action of an operator;
select data elements from the plurality of data elements; and
store the selected data elements in a memory device; and
a second computing system programmed to compute the future cost of insurance by assigning a level of risk to an operation of the vehicle based on an evaluation of the selected data elements retained in the memory device against data that assesses risk;
where the data that assesses risk is based on actuarial information that groups other human operators that have similar risk characteristics and represents actual driving characteristics of other monitored vehicles.
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Accused Products
Abstract
A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files.
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Citations
20 Claims
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1. A system that determines a future cost of insurance based upon monitoring vehicle sensors, recording vehicle data, and communicating the vehicle data to a central processing system, where the cost of insurance is adjustable based on driving characteristics of a human operator controlled vehicle, comprising:
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an on-board in-vehicle computer and recorder programmed to; monitor a plurality of data elements from an in-vehicle sensor that are representative of the human operator controlled state of the vehicle or an action of an operator; select data elements from the plurality of data elements; and store the selected data elements in a memory device; and a second computing system programmed to compute the future cost of insurance by assigning a level of risk to an operation of the vehicle based on an evaluation of the selected data elements retained in the memory device against data that assesses risk; where the data that assesses risk is based on actuarial information that groups other human operators that have similar risk characteristics and represents actual driving characteristics of other monitored vehicles. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A system that determines an insurance quote based upon monitoring vehicle sensors, recording vehicle data, and communicating the vehicle data to a central processing system, where the insurance quote is adjustable based on driving characteristics of a human operator controlled vehicle, comprising:
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an on-board in-vehicle computer and recorder programmed to; monitor in-vehicle data elements transmitted from an in-vehicle sensor, the in-vehicle data elements represent the human operator'"'"'s control of the vehicle or an action of an operator; and select data elements from the in-vehicle data elements; and store the selected data elements in a memory device remote from the sensor and within the vehicle; and a second computing system programmed to compute the insurance quote by assigning a level of risk to an operation of the vehicle based on an evaluation of the selected data elements retained in the memory device against data that assesses risk; where the data that assesses risk is based on actuarial information that groups other human operators that have similar risk characteristics and represents actual driving characteristics of the other human operator driven vehicles; and where the second computing system is remote from the on-board in-vehicle computer and recorder and is remote from the human operator controlled vehicle.
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20. A method that determines an insurance quote based upon monitoring vehicle sensors, recording vehicle data, and communicating the vehicle data to a central processing system, where the insurance quote is adjustable based on driving characteristics of a human operator controlled vehicle, comprising:
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monitoring a plurality of data elements from an in-vehicle sensor that are representative of the human operator controlled state of the vehicle or an action of an operator through an on-board in-vehicle computer and recorder; selecting data elements from the plurality of data elements and storing the selected data elements in a memory device; and computing the insurance quote by assigning a level of risk to an operation of the vehicle based on an evaluation of the selected data elements retained in the memory device against data that assesses risk through a second computing system remote from the on-board in-vehicle computer and recorder; where the data that assesses risk is based on actuarial information that groups other human operators that have similar risk characteristics and represents actual driving characteristics of other monitored vehicles.
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Specification