Assessing risk using vehicle environment information

  • US 10,223,752 B1
  • Filed: 10/20/2015
  • Issued: 03/05/2019
  • Est. Priority Date: 10/18/2013
  • Status: Active Grant
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First Claim
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1. A method of determining an insurance rating for an insurance policy associated with a first vehicle, the method comprising:

  • receiving, at a communication interface of the first vehicle and from a second vehicle via one or more wireless signals, vehicle sensor data collected by a camera device, a radar device, a lidar device, or a sonar device that is (i) located on or in the second vehicle and (ii) configured to sense an environment external to the second vehicle; and

    receiving, at an electronic processing system comprising a memory and one or more processors, the vehicle sensor data that was received at the communication interface of the first vehicle;

    storing the vehicle sensor data in the memory;

    determining a set of one or more characteristics of the environment external to the second vehicle by processing, via the one or more processors, the stored vehicle sensor data;

    determining, via the one or more processors and based on the set of one or more characteristics of the environment external to the second vehicle, a risk indicator; and

    determining, via the one or more processors and based on the risk indicator, the insurance rating for the insurance policy associated with the first vehicle.

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