Determining autonomous vehicle technology performance for insurance pricing and offering

  • US 10,055,794 B1
  • Filed: 05/15/2015
  • Issued: 08/21/2018
  • Est. Priority Date: 05/20/2014
  • Status: Active Grant
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First Claim
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1. A computer-implemented method of evaluating effectiveness of an autonomous or semi-autonomous technology of a vehicle in controlling the vehicle, the method comprising:

  • generating, by one or more test units configured to simultaneously test a plurality of autonomous or semi-autonomous technologies, test data indicating a performance of the plurality of autonomous or semi-autonomous technologies and including test control decisions of a plurality of versions of computer-readable instructions of the autonomous or semi-autonomous technology generated in response to test sensor data that simulates sensor data for a test vehicle operating under a plurality of operating conditions in a virtual test environment;

    monitoring and recording, by an on-board computer of the vehicle during vehicle operation, the test data regarding usage and operation of the autonomous or semi-autonomous technology associated with the vehicle in controlling the vehicle during vehicle operation under a plurality of observed operating conditions, including an indication of a current version of the plurality of versions of computer-readable instructions of the autonomous or semi-autonomous technology;

    receiving, at one or more processors, baseline data regarding risk levels associated with vehicle operation by the autonomous or semi-autonomous technology, including test data associated with the current version of the plurality of versions of computer-readable instructions of the autonomous or semi-autonomous technology and an additional version of the plurality of versions of the autonomous or semi-autonomous technology;

    comparing, by one or more processors, the monitored and recorded test data to the baseline data to determine a quality metric indicating an effectiveness of the autonomous or semi-autonomous technology based upon a quality of control decisions of the current version of the plurality of versions of computer-readable instructions of the autonomous or semi-autonomous technology implemented by the vehicle in avoiding or mitigating an effect of vehicle collisions relative to a quality of control decisions of the additional version of the plurality of versions of the autonomous or semi-autonomous technology;

    determining, by one or more processors, an accident risk associated with the vehicle based upon the determined quality metric;

    determining, by one or more processors, an insurance policy based at least in part upon the determined accident risk associated with the vehicle; and

    causing, by one or more processors, one or more of the following actions to be performed based upon the determined insurance policy;

    adjusting the insurance policy, determining a coverage level associated with the insurance policy, presenting information regarding the insurance policy to a reviewer via a display of a reviewer computing device to verify the determined insurance policy, or presenting information regarding the insurance policy for the vehicle to a customer for review,wherein the autonomous or semi-autonomous technology performs at least one of the following functions;

    steering;

    accelerating;

    braking;

    monitoring blind spots;

    presenting a collision warning;

    adaptive cruise control;

    parking;

    driver alertness monitoring;

    driver responsiveness monitoring;

    pedestrian detection;

    artificial intelligence;

    a back-up system;

    a navigation system;

    a positioning system;

    a security system;

    an anti-hacking measure;

    a theft prevention system;

    or remote vehicle location determination.

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