Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data

  • US 10,387,967 B1
  • Filed: 11/28/2017
  • Issued: 08/20/2019
  • Est. Priority Date: 03/10/2013
  • Status: Active Grant
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First Claim
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1. A computer implemented method, comprising:

  • identifying, by a remote computing device, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data comprising an identification of one or more physical aspects of the vehicle operator and an image of the vehicle operator;

    changing, by a vehicle module installed in a vehicle, a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the identification of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the identification of the vehicle operator matches a vehicle operator who is insured to operate the vehicle;

    calculating, by the remote computing device, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operator identity data, the vehicle operator, and vehicle operation data such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle,wherein the vehicle operation data is based upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle.

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