Route risk mitigation

  • US 10,037,580 B2
  • Filed: 08/03/2015
  • 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, configured to detect locations of the vehicle comprising at least a first location and a second location;

    a computer processor in communication with the location detection unit;

    a display device in communication with the computer processor, the display device associated with a driver of the vehicle; and

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

    calculate a safety risk score for each of a plurality of routes of the vehicle between the first location and the second location, wherein calculating the safety risk score for each of the plurality of routes of the vehicle between the first location and the second location comprises using direction of the vehicle through a road segment of each route of the plurality of routes as a factor in calculating the safety risk score for the corresponding route of the plurality of routes, wherein the road segment of each route of the plurality of routes has a higher segment value for travel in a first direction than for travel in an opposite direction, wherein the segment values are determined based on historical accident information comprising accident location and direction of vehicle travel at the accident location, and wherein each safety risk score of a plurality of safety risk scores calculated for each of the plurality of routes of the vehicle indicates safety risk of the corresponding route independent of a specific driver of the vehicle;

    identify a lowest risk route between the first location and the second location, the lowest risk route having a lowest calculated safety risk score of the plurality of routes of the vehicle between the first location and the second location;

    receive, from the location detection unit, information identifying a route traveled by the vehicle between the first location and the second location;

    identify, based on the information identifying the route traveled by the vehicle between the first location and the second location, whether the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location;

    based on identifying that the route traveled by the vehicle between the first location and the second location is different from the lowest risk route between the first location and the second location, adjust an insurance cost associated with the vehicle based on a safety risk score associated with the route traveled by the vehicle between the first location and the second location; and

    based on adjusting the insurance cost associated with the vehicle, send, to the display device for display to the driver of the vehicle, a notification of a credit if the vehicle consumed less risk units at an end of a policy period than was initially purchased or a notification of a debit if the vehicle consumed more risk units at the end of the policy period than was initially purchased, wherein sending the notification of the credit to the display device causes the display device to present the notification of the credit, and wherein sending the notification of the debit to the display device causes the display device to present the notification of the debit.

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