Route risk mitigation

  • US 10,037,579 B2
  • Filed: 04/27/2015
  • Issued: 07/31/2018
  • Est. Priority Date: 05/10/2007
  • Status: Active Grant
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First Claim
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1. A system comprising:

  • a vehicle;

    a location detection unit located in the vehicle and configured to detect locations of the vehicle comprising at least a first location and a second location;

    a computer processor communicatively coupled to the location detection unit; and

    a computer memory storing instructions that, when executed by the computer processor, cause the computer processor to;

    identify a total risk score associated with a vehicle insurance policy for the vehicle;

    receive, from the location detection unit, information identifying a travel route of the vehicle and a current direction of travel of the vehicle along the travel route of the vehicle;

    determine a route risk value for the travel route of the vehicle, wherein determining the route risk value for the travel route of the vehicle comprises determining the route risk value for the travel route of the vehicle based on the current direction of travel of the vehicle along the travel route of the vehicle and based on accident information associated with the travel route of the vehicle, wherein the accident information associated with the travel route of the vehicle comprises loss information associated with at least one accident occurrence along the travel route of the vehicle and direction information identifying a direction of travel associated with the at least one accident occurrence along the travel route of the vehicle;

    adjust the total risk score associated with the vehicle insurance policy for the vehicle by deducting the route risk value determined for the travel route of the vehicle; and

    if the total risk score associated with the vehicle insurance policy for the vehicle is not greater than zero after adjusting the total risk score associated with the vehicle insurance policy for the vehicle;

    send, to a user device in the vehicle, information associated with an offer to renew the vehicle insurance policy for the vehicle before the vehicle insurance policy for the vehicle is terminated and while the travel route of the vehicle is being traveled by the vehicle,wherein sending the information associated with the offer to renew the vehicle insurance policy for the vehicle to the user device in the vehicle causes the user device in the vehicle to present a notification for a user of the user device in the vehicle with an option to renew the vehicle insurance policy for the vehicle.

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