Event based insurance model

• US 10,692,149 B1
• Filed: 12/06/2013
• Issued: 06/23/2020
• Est. Priority Date: 12/06/2013
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Loo, William, Brandmaier, Jennifer A., Ramirez, Philip Peter
• Primary Examiner(s): Oyebisi, Ojo O
• Application Number:
  US14/098,874
• Time in Patent Office: 2,391 Days
• Field of Search: 705 35, 705 4, 705 1453
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Methods, computer-readable media, software, and apparatuses provide a system for providing an event based insurance model in which insurance rates are adjusted based on events occurring during a drive. The system may include computing devices in one or more vehicles or in a cloud. Using such computing devices, the system may provide recommendations to drivers based on their surroundings. In particular, the system may identify individuals, such as passengers and other drivers, in proximity to a particular vehicle and provide recommendations to the driver of that vehicle when such individuals might negatively influence the driver'"'"'s performance or otherwise be a danger to the driver. The system may also monitor the driver'"'"'s reactions to recommendations and determine adjustments to insurance rates based on such reactions.

Claims

1. A system, comprising:

a computer-readable storage media;

a plurality of vehicle sensors of a first vehicle;

a first computing device in the first vehicle, wherein the first computing device comprises a plurality of device sensors; and

a second computing device that is remote from the first computing device and configured to;

while a first driver is driving the first vehicle, identify a person in proximity to the first driver, wherein the person in proximity to the first driver comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle;

retrieve, from the computer-readable storage media, data indicating a driving influence of the identified person;

determine, based on the data indicating the driving influence of the identified person, an influence score related to the identified person;

determine, based on the influence score related to the identified person, a first recommendation for the first driver to perform a first action;

provide, to the first computing device and via a wireless communication system, the first recommendation for output to the first driver;

selecting, based on the first recommendation and from among the plurality of vehicle sensors and the plurality of device sensors, at least one first sensor from which to obtain first drive data to evaluate for a reaction of the first driver to the first recommendation;

determine, based on the first drive data obtained from the selected at least one first sensor, a first reaction of the first driver to the first recommendation;

determine, based on a comparison of the first reaction with the first action, that the first driver followed the first recommendation; and

in response to determining that the first driver followed the first recommendation;

determine a first adjustment to an insurance payment associated with an insurance policy for the first driver; and

store, in the computer-readable storage media, the first adjustment in association with the insurance policy for the first driver.

2. The system of claim 1, wherein the second computing device is further configured to:

while the first driver is driving the first vehicle, identify a characteristic of an environment surrounding the first vehicle;

determine, based on the identified characteristic, a second recommendation for the first driver to perform a second action;

provide, to the first computing device and via the wireless communication system, the second recommendation for output to the first driver;

determine, based on second drive data obtained from at least one second sensor selected from among the plurality of vehicle sensors and the plurality of device sensors, a second reaction of the first driver to the second recommendation;

determine, based on a comparison of the second reaction with the second action, that the first driver followed the second recommendation; and

in response to determining that the first driver followed the second recommendation, determine a second adjustment to the insurance payment.

3. The system of claim 1, wherein the influence score represents an expected influence of the identified person on a driving performance of the first driver.

4. The system of claim 1, wherein the second computing device is further configured to generate the first recommendation based on determining that the influence score exceeds a predetermined threshold.

5. The system of claim 1, wherein the first recommendation comprises:

a suggestion to avoid the second vehicle, wherein the identified person is the second driver of the second vehicle, or

a warning that the identified person has a negative influence on driving behavior.

6. The system of claim 1, wherein the data indicating the driving influence of the identified person comprises past drive data comprising data of at least one drive in which the first driver was driving and the identified person was in proximity to the first driver during the at least one drive, and

wherein determining the influence score comprises:

determining, based on the past drive data, whether the first driver has a history with the identified person; and

based on determining that the first driver has the history with the identified person, calculating the influence score representing an influence that the identified person has had on a driving performance of the first driver.

7. The system of claim 1, further comprising:

a display;

a speaker; and

a billing system,

wherein the second computing device is further configured to;

output, to the first driver via the first computing device and via the display or the speaker, the first recommendation, and

transmit, to the billing system, the first adjustment and a billing code associated with a description of a reason for the first adjustment.

8. The system of claim 1, further comprising:

a third computing device in the second vehicle, the third computing device configured to communicate with the first computing device,

wherein one of the first computing device and the second computing device is configured to determine the second driver of the second vehicle, and to determine whether the second driver should be avoided, and

wherein the first recommendation comprises a suggestion to avoid the second vehicle.

9. The system of claim 8, wherein the third computing device is further configured to transmit, to the first computing device, at least one of:

a name or an identifier associated with the second driver, a telephone number associated with the third computing device, or a license plate number of the second vehicle, and

wherein one of the first computing device and the second computing device is configured to determine the second driver of the second vehicle based on at least one of;

the telephone number associated with the third computing device,

the name or identifier associated with the second driver, or

the license plate number of the second vehicle.

16. The system of claim 1, wherein determining the first reaction comprises obtaining the first drive data within a predetermined time from a time that the first recommendation was provided.

17. The system of claim 1, further comprising:

wherein the plurality of vehicle sensors comprises an image sensor, a steering wheel sensor, a brake pedal position sensor, a gas pedal position sensor, or one or more seat sensors,

wherein the plurality of device sensors comprises an accelerometer, a gyroscope, or a global positioning system (GPS) receiver, and

wherein the selecting, based on the first recommendation, the at least one first sensor from which to obtain the first drive data comprises;

when the first recommendation is to accelerate or decelerate the first vehicle, selecting at least one of the accelerometer, the gyroscope, the GPS receiver, the brake pedal position sensor, and the gas pedal position sensor as the at least one first sensor from which to obtain the first drive data,

when the first recommendation is to steer the first vehicle in particular direction, selecting the steering wheel sensor as the at least one first sensor from which to obtain the first drive data,

when the first recommendation is for the first driver to switch seats with the passenger of the first vehicle, selecting the one or more seat sensors as the at least one first sensor from which to obtain the first drive data, and

when the first recommendation is to maintain the first vehicle at a certain distance from the second vehicle, selecting the GPS receiver as the at least one first sensor from which to obtain the first drive data.

18. The system of claim 1,

wherein the plurality of vehicle sensors comprises an image sensor that is configured to capture an image of an environment associated with the first vehicle, wherein the image sensor is connected to the first computing device via at least an on-board diagnostic connector of the first vehicle,

wherein the first computing device transmits the image to the second computing device via the wireless communication system, and

wherein the second computing device identifies the person in proximity to the first driver based on the image.

19. The system of claim 17,

wherein the brake pedal position sensor is configured to determine a position of a brake pedal of the first vehicle,

wherein the brake pedal position sensor is connected to the first computing device via at least an on-board diagnostic connector of the first vehicle,

wherein the first drive data comprises the position of the brake pedal obtained from the brake pedal position sensor, and

wherein the second computing device determines the first reaction to the first recommendation to decelerate the first vehicle, based at least in part on the position of the brake pedal.

22. The system of claim 1, wherein the second computing device is further configured to store, in the computer-readable storage media, the first drive data in associated with the first driver and the identified person.

10. A computing device, comprising:

a network interface configured to communicate with one or more mobile devices remote from the computing device; and

one or more processors configured to cause the computing device to;

while a first driver is driving a first vehicle, identify a person in proximity to the first driver, wherein the person in proximity to the first driver comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle;

retrieve, from a computer-readable storage media, data indicating a driving influence of the identified person;

determine, based on the data indicating the driving influence of the identified person, an influence score related to the identified person;

determine, based on the influence score related to the identified person, a recommendation for the first driver to perform an action;

provide, to a particular mobile device in the first vehicle and among the one or more mobile devices, the recommendation for output to the first driver;

selecting, based on the recommendation and from among a plurality of vehicle sensors of the first vehicle and a plurality of device sensors of the particular mobile device, at least one sensor from which to obtain drive data to evaluate for a reaction of the first driver to the recommendation;

determine, based on the drive data obtained from the selected at least one sensor, the reaction of the first driver to the recommendation;

determine, based on a comparison of the reaction with the action, that the first driver followed the recommendation; and

in response to determining that the first driver followed the recommendation;

determine an adjustment to an insurance payment associated with an insurance policy for the first driver; and

store, in the computer-readable storage media, the adjustment in association with the insurance policy for the first driver.

11. The computing device of claim 10,

wherein the network interface is configured to receive the drive data from the plurality of vehicle sensors and the plurality of device sensors, wherein the drive data indicates a driving behavior of the first driver.

12. The computing device of claim 11, wherein the recommendation comprises an indication of an amount of the adjustment that the first driver will receive for following the recommendation.

20. The computing device of claim 10, wherein the plurality of vehicle sensors comprises an image sensor, a steering wheel sensor, a brake pedal position sensor, a gas pedal position sensor, or one or more seat sensors,

wherein the plurality of device sensors comprises an accelerometer, a gyroscope, or a global positioning system (GPS) receiver, and

wherein selecting, based on the recommendation, the at least one sensor from which to obtain the drive data comprises:

when the recommendation is to accelerate or decelerate the first vehicle, selecting at least one of the accelerometer, the gyroscope, the GPS receiver, the brake pedal position sensor, and the gas pedal position sensor as the at least one sensor from which to obtain the drive data,

when the recommendation is to steer the first vehicle in particular direction, selecting the steering wheel sensor as the at least one sensor from which to obtain the drive data,

when the recommendation is for the first driver to switch seats with the passenger of the first vehicle, selecting the one or more seat sensors as the at least one sensor from which to obtain the drive data, and

when the recommendation is to maintain the first vehicle at a certain distance from the second vehicle, selecting the GPS receiver as the at least one sensor from which to obtain the drive data.

13. A method, comprising:

configuring a computing device with an event manager;

registering the computing device with an event management system;

while a first driver is driving a first vehicle comprising the computing device, identifying a person in proximity to the computing device, wherein the person in proximity to the computing device comprises a passenger of the first vehicle, a second driver of a second vehicle in proximity to the first vehicle, or a passenger of the second vehicle;

retrieving, from a computer-readable storage media, data indicating a driving influence of the identified person;

determining, based on the data indicating the driving influence of the identified person, an influence score related to the identified person;

determining, based on the influence score related to the identified person, a recommendation for the first driver to perform an action;

providing, to the computing device, and while the first driver is driving the first vehicle, the recommendation for the first driver to perform the action;

selecting, based on the recommendation and from among a plurality of vehicle sensors of the first vehicle and a plurality of device sensors of the computing device, at least one sensor from which to collect drive data to evaluate for a reaction of the first driver to the recommendation;

determining, based on the drive data collected from the selected at least one sensor, the reaction of the first driver to the recommendation;

determining, based on a comparison of the reaction with the action, that the first driver followed the recommendation; and

in response to determining that the first driver followed the recommendation;

determining an adjustment to an insurance payment associated with an insurance policy for the first driver; and

storing, in a computer-readable storage media, the adjustment in association with the insurance policy for the first driver.

14. The method of claim 13,

wherein determining the recommendation comprises:

determining that the second driver is the identified person, and

based on determining that the second driver is deemed dangerous, determining the first driver to perform the action of maintaining a certain distance from the second driver, and

wherein determining the reaction comprises determining, by the event management system, whether the certain distance is maintained based on first global positioning system (GPS) coordinates associated with the first driver and second GPS coordinates associated with the second driver, wherein the first GPS coordinates are included in the drive data collected from the at least one sensor.

15. The method of claim 13,

wherein the recommendation comprises an indication that the first driver will receive a reduction of an automobile insurance premium if the first driver follows the recommendation, and

wherein the determining that the first driver followed the recommendation comprises determining which results of the comparison of the reaction with the action indicate that the first driver followed the recommendation.

21. The method of claim 13, wherein the plurality of vehicle sensors comprises an image sensor, a steering wheel sensor, a brake pedal position sensor, a gas pedal position sensor, or one or more seat sensors,

wherein the plurality of device sensors comprises an accelerometer, a gyroscope, or a global positioning system (GPS) receiver, and

wherein selecting, based on the recommendation, the at least one sensor from which to collect the drive data comprises:

when the recommendation is to accelerate or decelerate the first vehicle, selecting at least one of the accelerometer, the gyroscope, the GPS receiver, the brake pedal position sensor, and the gas pedal position sensor as the at least one sensor from which to collect the drive data,

when the recommendation is to steer the first vehicle in particular direction, selecting the steering wheel sensor as the at least one sensor from which to collect the drive data,

when the recommendation is for the first driver to switch seats with the passenger of the first vehicle, selecting the one or more seat sensors as the at least one sensor from which to collect the drive data, and

when the recommendation is to maintain the first vehicle at a certain distance from the second vehicle, selecting the GPS receiver as the at least one sensor from which to collect the drive data.