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:
- identifying, by the one or more processors associated with a server, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator;
changing, by one more processors associated with a vehicle module installed in a vehicle;
a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle;
receiving, by the one or more processors associated with the server, vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and
calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving 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.
233 Citations
17 Claims
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1. A computer implemented method for automatically generating insurance policy related data, the method comprising:
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identifying, by the one or more processors associated with a server, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator; changing, by one more processors associated with a vehicle module installed in a vehicle; a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle; receiving, by the one or more processors associated with the server, vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A system for automatically generating vehicle insurance policy related data, the system comprising:
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a server configured to; identify a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator; and a vehicle module configured to; change a state of the vehicle to prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or change a state of the vehicle to allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle, and wherein the server is further configured to; receive vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and calculate comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle. - View Dependent Claims (8, 9, 10, 11)
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12. A non-transitory, tangible, computer-readable medium storing instructions that, when executed by a processor, cause the processor to:
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identify a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator; change a state of the vehicle to prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or change a state of the vehicle to allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle; receive vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and calculate comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle. - View Dependent Claims (13, 14, 15, 16, 17)
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Specification