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Traffic based driving analysis

  • US 9,676,392 B1
  • Filed: 07/07/2015
  • Issued: 06/13/2017
  • Est. Priority Date: 12/19/2012
  • Status: Active Grant
First Claim
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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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