Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data
First Claim
1. A computer implemented method for automatically generating insurance policy related data, the method comprising:
- receiving, by one or more processors associated with a server, vehicle operator identity data representative of each of a plurality of vehicle operators, the vehicle operator identity data including (i) data representative of one or more identifiable physical aspects of each of the plurality of vehicle operators, and (ii) an image of each of the plurality of vehicle operators;
determining, by the one or more processors associated with the server, an identity of each of the plurality of vehicle operators based on the vehicle operator identity data;
changing, by one or more processors associated with a vehicle module installed in a vehicle, a state of the vehicle to (i) prevent vehicle operators from among the plurality of vehicle operators from operating the vehicle when the determined identity of a respective vehicle operator does not match any vehicle operators that are insured to operate the vehicle based upon known vehicle operator identity data, or (ii) enable vehicle operators from among the plurality of vehicle operators to operate the vehicle when the determined identity of a respective vehicle operator matches at least one vehicle operator that is insured to operate the vehicle based upon the known vehicle operator identity data;
receiving, by the one or more processors associated with the server, vehicle operation data representative of operation of a vehicle by each of the plurality of vehicle operators who are enabled to operate the vehicle and including one or more images of the inside of the vehicle that indicate, upon performing an image analysis, whether each of the plurality of vehicle operators who are enabled to operate the vehicle were driving with one or more passengers;
wherein each of the vehicle operator identity data and the vehicle operation data is based at least partially on vehicle sensor data;
correlating, by the one or more processors associated with the server, the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to the vehicle operation data and the vehicle operator identity data associated with each respective vehicle operator from among the plurality of vehicle operators who are enabled to operate the vehicle; and
calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon the correlation of the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to (i) the vehicle operation data, and (ii) the vehicle operator identity data, such that the comprehensive vehicle insurance policy related data indicates;
(i) a proportion of driving time in which each of the plurality of vehicle operators who are enabled to operate the vehicle drove the vehicle,(ii) for each of the plurality of vehicle operators who are enabled to operate the vehicle, a proportion of driving time in which each of the plurality of vehicle operators was accompanied by one or more passengers when driving the vehicle, and(iii) driving habits of each of the plurality of vehicle operators who drove the vehicle.
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Accused Products
Abstract
The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.
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Citations
21 Claims
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1. A computer implemented method for automatically generating insurance policy related data, the method comprising:
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receiving, by one or more processors associated with a server, vehicle operator identity data representative of each of a plurality of vehicle operators, the vehicle operator identity data including (i) data representative of one or more identifiable physical aspects of each of the plurality of vehicle operators, and (ii) an image of each of the plurality of vehicle operators; determining, by the one or more processors associated with the server, an identity of each of the plurality of vehicle operators based on the vehicle operator identity data; changing, by one or more processors associated with a vehicle module installed in a vehicle, a state of the vehicle to (i) prevent vehicle operators from among the plurality of vehicle operators from operating the vehicle when the determined identity of a respective vehicle operator does not match any vehicle operators that are insured to operate the vehicle based upon known vehicle operator identity data, or (ii) enable vehicle operators from among the plurality of vehicle operators to operate the vehicle when the determined identity of a respective vehicle operator matches at least one vehicle operator that is insured to operate the vehicle based upon the known vehicle operator identity data; receiving, by the one or more processors associated with the server, vehicle operation data representative of operation of a vehicle by each of the plurality of vehicle operators who are enabled to operate the vehicle and including one or more images of the inside of the vehicle that indicate, upon performing an image analysis, whether each of the plurality of vehicle operators who are enabled to operate the vehicle were driving with one or more passengers; wherein each of the vehicle operator identity data and the vehicle operation data is based at least partially on vehicle sensor data; correlating, by the one or more processors associated with the server, the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to the vehicle operation data and the vehicle operator identity data associated with each respective vehicle operator from among the plurality of vehicle operators who are enabled to operate the vehicle; and calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon the correlation of the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to (i) the vehicle operation data, and (ii) the vehicle operator identity data, such that the comprehensive vehicle insurance policy related data indicates; (i) a proportion of driving time in which each of the plurality of vehicle operators who are enabled to operate the vehicle drove the vehicle, (ii) for each of the plurality of vehicle operators who are enabled to operate the vehicle, a proportion of driving time in which each of the plurality of vehicle operators was accompanied by one or more passengers when driving the vehicle, and (iii) driving habits of each of the plurality of vehicle operators who drove the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system for automatically generating vehicle insurance policy related data, the system comprising:
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a vehicle module configured to; acquire vehicle operator identity data representative of a plurality of vehicle operators, the vehicle operator identity data including (i) data representative of one or more identifiable physical aspects of each of the plurality of vehicle operators, and (ii) an image of each of the plurality of vehicle operators; and a server configured to determine an identity of each of the plurality of vehicle operators based on the vehicle operator identity data, wherein the vehicle module is further configured to; change a state of a vehicle to (i) prevent vehicle operators from among the plurality of vehicle operators from operating the vehicle when the determined identity of a respective vehicle operator does not match any vehicle operators that are insured to operate the vehicle based upon known vehicle operator identity data, or (ii) enable vehicle operators from among the plurality of vehicle operators to operate the vehicle when the determined identity of a respective vehicle operator matches at least one vehicle operator that is insured to operate the vehicle based upon the known vehicle operator identity data; acquire vehicle operation data representative of operation of a vehicle by each of the plurality of vehicle operators who are enabled to operate the vehicle and including one or more images of the inside of the vehicle that indicate, upon performing an image analysis, whether each of the plurality of vehicle operators were driving with one or more passengers, wherein each of the vehicle operator identity data and the vehicle operation data are based at least partially on vehicle sensor data, and wherein the server is further configured to; correlate the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to the vehicle operation data and the vehicle operator identity data associated with each respective vehicle operator from among the plurality of vehicle operators who are enabled to operate the vehicle; and calculate comprehensive vehicle insurance policy related data based upon the correlation of the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to (i) the vehicle operation data, and (ii) the vehicle operator identity data, such that the comprehensive vehicle insurance policy related data indicates; (i) a proportion of driving time in which each of the plurality of vehicle operators who are enabled to operate the vehicle drove the vehicle, (ii) for each of the plurality of vehicle operators who are enabled to operate the vehicle, a proportion of driving time in which each of the plurality of vehicle operators was accompanied by one or more passengers when driving the vehicle, and (iii) driving habits for each of the plurality of vehicle operators who drove the vehicle. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A non-transitory, tangible, computer-readable medium storing instructions that, when executed by a processor, cause the processor to automatically generate vehicle insurance policy related data, the instructions comprising:
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acquiring vehicle operator identity data representative of each of a plurality of vehicle operators, the vehicle operator identity data including (i) data representative of one or more identifiable physical aspects of each of the plurality of vehicle operators, and (ii) an image of each of the plurality of vehicle operators; determining an identity of each of the plurality of vehicle operators based on the vehicle operator identity data; changing a state of a vehicle to (i) prevent vehicle operators from among the plurality of vehicle operators from operating the vehicle when the determined identity of a respective vehicle operator does not match any vehicle operators that are insured to operate the vehicle based upon known vehicle operator identity data, or (ii) enable vehicle operators from among the plurality of vehicle operators to operate the vehicle when the determined identity of a respective vehicle operator matches at least one vehicle operator that is insured to operate the vehicle based upon the known vehicle operator identity data; acquiring vehicle operation data representative of operation of a vehicle by each of the plurality of vehicle operators who are enabled to operate the vehicle and including one or more images of the inside of the vehicle that indicate, upon performing an image analysis, whether each of the plurality of vehicle operators who are enabled to operate the vehicle were driving with one or more passengers; wherein each of the vehicle operator identity data and the vehicle operation data is based at least partially on vehicle sensor data, correlating the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to the vehicle operation data and the vehicle operator identity data associated with each respective vehicle operator from among the plurality of vehicle operators who are enabled to operate the vehicle; and calculating comprehensive vehicle insurance policy related data based upon the correlation of the identity of each of the plurality of vehicle operators who are enabled to operate the vehicle to (i) the vehicle operation data, and (ii) the vehicle operator identity data, such that the comprehensive vehicle insurance policy related data indicates; (i) a proportion of driving time in which each of the plurality of vehicle operators who are enabled to operate the vehicle drove the vehicle, (ii) for each of the plurality of vehicle operators who are enabled to operate the vehicle, a proportion of driving time in which each of the plurality of vehicle operators was accompanied by one or more passengers when driving the vehicle, and (iii) driving habits of each of the plurality of vehicle operators who drove the vehicle. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification