Route risk mitigation

  • US 10,074,139 B2
  • Filed: 04/27/2015
  • Issued: 09/11/2018
  • Est. Priority Date: 05/10/2007
  • Status: Active Grant
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First Claim
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1. A method, comprising:

  • at a computing device comprising at least one processor and memory;

    detecting, by the at least one processor, a travel route being traveled by a vehicle, the travel route being traveled by the vehicle having a start location and an end location;

    receiving, by the at least one processor, from a first remote data source, historical accident information comprising an accident location and accident loss information associated with an accident occurrence on a road segment of the travel route being traveled by the vehicle located between the start location and the end location of the travel route being traveled by the vehicle;

    receiving, by the at least one processor, from a second remote data source, real-time traffic information identifying traffic volume along the travel route being traveled by the vehicle;

    while the travel route is being traveled by the vehicle, calculating, by the at least one processor, a risk value for the road segment of the travel route based on the historical accident information received from the first remote data source, based on the real-time traffic information received from the second remote data source, and based on a direction of travel of the vehicle through the road segment of the travel route,wherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a first value when the direction of travel of the vehicle through the road segment of the travel route is a first direction of travel, andwherein calculating the risk value for the road segment of the travel route comprises calculating the risk value for the road segment of the travel route to be a second value different from the first value when the direction of travel of the vehicle through the road segment of the travel route is a second direction of travel opposite to the first direction of travel;

    determine that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to a low risk value;

    based on determining that the risk value for the road segment of the travel route calculated by the at least one processor corresponds to the low risk value, determine to provide a discount on an insurance policy associated with the vehicle; and

    while the travel route is being traveled by the vehicle, sending, by the at least one processor, to a navigation device located in the vehicle, the risk value for the road segment of the travel route calculated by the at least one processor and information associated with the discount on the insurance policy associated with the vehicle,wherein sending the risk value for the road segment of the travel route calculated by the at least one processor to the navigation device located in the vehicle causes the navigation device located in the vehicle to display, while the travel route is being traveled by the vehicle, an indication of risk associated with the travel route being traveled by the vehicle based on the risk value for the road segment of the travel route calculated by the at least one processor and the information associated with the discount on the insurance policy associated with the vehicle.

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