Apparatus for assessing or mitigating insurance risk
First Claim
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1. A method for assessing or mitigating insurance risk, comprising:
- providing a breath alcohol sensor for use in a vehicle owned or operated by an insured;
providing a computing device operatively coupled in use to the sensor and the vehicle and configured for recording data, the data comprising;
data which provides information regarding periods when the computing device is coupled to the vehicle and a breath sample has not been delivered to the sensor within a predetermined period preceding a commencement of operation of the vehicle;
data which provides information regarding periods when the computing device is uncoupled from the vehicle; and
data associated with breath samples delivered to the sensor that contain alcohol in excess of a predetermined threshold that is less than an impaired driving threshold applicable in a jurisdiction of use; and
providing the recorded data to an insurer;
wherein the computing device is adapted to permit operation of the vehicle both when the breath sample is delivered to the sensor and when the breath sample has not been delivered to the sensor; and
the data does not include data indicating that the breath sample contains alcohol at a level exceeding the impaired driving threshold.
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Abstract
The apparatus, which is used with a vehicle, comprises a breath alcohol sensor and a computing device. The computing device is operatively coupled in use to the sensor and the vehicle and configured to record data: which provides information indicative of the likelihood that the vehicle has been operated in circumstances wherein a breath sample has not been delivered to the sensor within a predetermined period preceding the commencement of said operation; and associated with the delivery of breath samples to the sensor that contain alcohol in excess of a predetermined threshold.
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Citations
7 Claims
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1. A method for assessing or mitigating insurance risk, comprising:
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providing a breath alcohol sensor for use in a vehicle owned or operated by an insured; providing a computing device operatively coupled in use to the sensor and the vehicle and configured for recording data, the data comprising; data which provides information regarding periods when the computing device is coupled to the vehicle and a breath sample has not been delivered to the sensor within a predetermined period preceding a commencement of operation of the vehicle; data which provides information regarding periods when the computing device is uncoupled from the vehicle; and data associated with breath samples delivered to the sensor that contain alcohol in excess of a predetermined threshold that is less than an impaired driving threshold applicable in a jurisdiction of use; and providing the recorded data to an insurer; wherein the computing device is adapted to permit operation of the vehicle both when the breath sample is delivered to the sensor and when the breath sample has not been delivered to the sensor; and the data does not include data indicating that the breath sample contains alcohol at a level exceeding the impaired driving threshold. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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Specification