Traffic based driving analysis
First Claim
1. A driving analysis system, comprising:
- a first vehicle on-board data recording system including;
at least one sensor configured to record vehicle operation data at a first vehicle; and
a telematics device configured to transmit the vehicle operation data to a driving analysis server; and
the driving analysis server, including;
a processing unit comprising a processor;
a memory unit storing computer-executable instructions which, when executed by the processing unit, cause the driving analysis server to;
receive first vehicle driving data from the first vehicle on-board data recording system, the first vehicle driving data associated with a first vehicle location;
compare the received first vehicle driving data from the first vehicle to a driving behavior threshold to determine whether the received first vehicle driving data includes data above the driving behavior threshold;
responsive to determining that the first vehicle driving data includes data above the driving behavior threshold, identify an occurrence of a driving behavior associated with the driving behavior threshold in the first vehicle driving data;
receive other vehicle driving data from one or more driving data sources, the other vehicle driving data corresponding to one or more other vehicles driven at or near the first vehicle location;
analyze the received other vehicle driving data to identify occurrences of the driving behavior in the other vehicle driving data;
responsive to identifying occurrences of the driving behavior in the other vehicle driving data, maintaining a driver score of a driver of the first vehicle; and
responsive to not identifying occurrences of the driving behavior in the other vehicle driving data, adjusting the driver score of the driver of the first vehicle; and
determining, based on one of the maintained driver score and the adjusted driver score, at least one of;
an insurance coverage, an insurance premium, and an insurance deductible.
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Accused Products
Abstract
A driving analysis server may be configured to receive vehicle operation data from vehicle sensors and telematics devices of a first vehicle, and may use the data to identify a potentially high-risk or unsafe driving behavior by the first vehicle. The driving analysis server also may retrieve corresponding vehicle operation data from one or more other vehicles, and may compare the potentially high-risk or unsafe driving behavior of the first vehicle to corresponding driving behaviors in the other vehicles. A driver score for the first vehicle may be calculated or adjusted based on the comparison of the driving behavior in the first vehicle to the corresponding driving behaviors in the other vehicles.
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Citations
21 Claims
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1. A driving analysis system, comprising:
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a first vehicle on-board data recording system including; at least one sensor configured to record vehicle operation data at a first vehicle; and a telematics device configured to transmit the vehicle operation data to a driving analysis server; and the driving analysis server, including; a processing unit comprising a processor; a memory unit storing computer-executable instructions which, when executed by the processing unit, cause the driving analysis server to; receive first vehicle driving data from the first vehicle on-board data recording system, the first vehicle driving data associated with a first vehicle location; compare the received first vehicle driving data from the first vehicle to a driving behavior threshold to determine whether the received first vehicle driving data includes data above the driving behavior threshold; responsive to determining that the first vehicle driving data includes data above the driving behavior threshold, identify an occurrence of a driving behavior associated with the driving behavior threshold in the first vehicle driving data; receive other vehicle driving data from one or more driving data sources, the other vehicle driving data corresponding to one or more other vehicles driven at or near the first vehicle location; analyze the received other vehicle driving data to identify occurrences of the driving behavior in the other vehicle driving data; responsive to identifying occurrences of the driving behavior in the other vehicle driving data, maintaining a driver score of a driver of the first vehicle; and responsive to not identifying occurrences of the driving behavior in the other vehicle driving data, adjusting the driver score of the driver of the first vehicle; and determining, based on one of the maintained driver score and the adjusted driver score, at least one of;
an insurance coverage, an insurance premium, and an insurance deductible. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A driving analysis system, comprising:
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a first vehicle on-board data recording system including; at least a first sensor configured to record vehicle operation data at a first vehicle; and a first telematics device configured to transmit the vehicle operation data to a driving analysis server; a second vehicle on-board data recording system including; at least a second sensor configured to record vehicle operation data at a second vehicle; and a second telematics device configured to transmit the vehicle operation data to the driving analysis server; and the driving analysis server, including; a processing unit including a processor; and a memory unit storing computer-executable instructions, which when executed by the processor, cause the driving analysis server to; receive first vehicle driving data from the first vehicle on-board data recording system, the first vehicle driving data associated with a first vehicle location; compare the received first vehicle driving data from the first vehicle to a driving behavior threshold to determine whether the received first vehicle driving data includes data above the driving behavior threshold; responsive to determining that the first vehicle driving data includes data above the driving behavior threshold, identifying an occurrence of a driving behavior associated with the driving behavior threshold in the first vehicle driving data; receive second vehicle driving data from the second vehicle on-board data recording system, the second vehicle driving data associated with a second vehicle location at or near the first vehicle location; analyze the received second vehicle driving data to identify an occurrence of the driving behavior in the second vehicle driving data; responsive to identifying an occurrence of the driving behavior in the second vehicle driving data, maintaining a driver score of a driver of the first vehicle; responsive to not identifying an occurrence of the driving behavior in the second vehicle driving data, adjusting the driver score of the driver of the first vehicle; and determining, based on at least one of the maintained driver score and the adjusted driver score, at least one of;
an insurance coverage, an insurance premium, and an insurance deductible. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A driving analysis system comprising:
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an on-board vehicle data recording system of a first vehicle including a plurality of sensors configured to record operational data of the first vehicle; and a telematics device configured to transmit the vehicle operational data to a driving analysis server; and the driving analysis server, including; a processing unit comprising a processor; and a memory unit storing computer-executable instructions, which when executed by the processing unit, cause the driving analysis server to; receive, first vehicle driving data from the on-board vehicle data recording system of a first vehicle, the first vehicle driving data associated with a first vehicle location and a first vehicle time; analyze the received first vehicle driving data to determine a first driving behavior of a first driver of the first vehicle; receive other vehicle driving data from one or more driving data sources, the other vehicle driving data corresponding to one or more other vehicles driven at or near the first vehicle location at or near the first vehicle time; compare the first vehicle driving data to the other vehicle driving data corresponding to the one or more other vehicles driven at or near the first vehicle location at or near the first vehicle time to determine whether the first driving behavior is present in the other vehicle driving data; responsive to determining that the first driving behavior is not present in the other vehicle driving data, adjusting a driver score of the first driver of the first vehicle; responsive to determining that the first driving behavior is present in the other vehicle driving data, maintaining the driver score of the first driver of the first vehicle; and determine, based on at least one of;
the maintained driver score and the adjusted driving score, at least one of;
an insurance coverage, an insurance premium, and an insurance deductible. - View Dependent Claims (20, 21)
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Specification