Road segment safety rating

  • US 10,157,422 B2
  • Filed: 01/28/2015
  • Issued: 12/18/2018
  • Est. Priority Date: 05/10/2007
  • Status: Active Grant
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First Claim
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1. A system comprising:

  • a telematics device configured to receive sensor information corresponding to vehicle operation data associated with a vehicle, wherein the telematics device is communicatively coupled to an onboard diagnostic system of the vehicle and is further configured to identify at least one driving behavior of a driver of the vehicle based on the sensor information received over a duration of time;

    a global positioning system (GPS) device associated with the vehicle; and

    an insurance system server communicatively coupled to the GPS device and the telematics device, the insurance system server comprising at least one processor and at least one memory storing computer-readable instructions that, when executed by the at least one processor, cause the insurance system server to;

    receive, from the GPS device associated with the vehicle, while the vehicle is traveling along a road segment, location information identifying a location of the vehicle;

    determine, based on the location information received from the GPS device associated with the vehicle, the road segment on which the vehicle is travelling;

    receive, from the telematics device, while the vehicle is traveling along the road segment, the sensor information received over the duration of time and an indication of the at least one driving behavior of the driver of the vehicle identified by the telematics device;

    receive, from one or more sources, while the vehicle is traveling along the road segment, historical data associated with the road segment on which the vehicle is travelling;

    while the vehicle is traveling along the road segment, determine a safety rating for the road segment on which the vehicle is travelling based on the historical data associated with the road segment on which the vehicle is travelling and the indication of the at least one driving behavior of the driver of the vehicle received from the telematics device;

    while the vehicle is traveling along the road segment, determine an insurance cost associated with travelling on the road segment on which the vehicle is travelling based on the safety rating determined for the road segment on which the vehicle is travelling;

    while the vehicle is traveling along the road segment, generate an insurance incentive based on the insurance cost associated with travelling on the road segment on which the vehicle is travelling; and

    while the vehicle is traveling along the road segment, provide the safety rating for the road segment on which the vehicle is travelling to the driver of the vehicle,wherein providing the safety rating for the road segment on which the vehicle is travelling to the driver of the vehicle comprises sending route risk value information to the GPS device associated with the vehicle based on the safety rating for the road segment on which the vehicle is travelling,wherein sending the route risk value information to the GPS device associated with the vehicle causes the GPS device associated with the vehicle to display the road segment on which the vehicle is travelling in a red color if the safety rating for the road segment on which the vehicle is travelling is below a predetermined threshold or in a green color if the safety rating for the road segment on which the vehicle is travelling is not below the predetermined threshold, andwherein providing the safety rating for the road segment on which the vehicle is travelling to the driver of the vehicle comprises sending, to the GPS device associated with the vehicle, the insurance incentive generated based on the insurance cost associated with travelling on the road segment on which the vehicle is travelling.

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