Vehicle rating system

• US 10,789,663 B1
• Filed: 02/08/2016
• Issued: 09/29/2020
• Est. Priority Date: 02/08/2016
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Irey, Grady
• Primary Examiner(s): Tran, Hai
• Application Number:
  US15/018,233
• Time in Patent Office: 1,695 Days
• Field of Search: 705 4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G07C 5/08 Registering or indicating performance data other than driving, working, idle, or waiting time, with or without registering driving, working, idle or waiting time
• CPC Class Codes: G07C 5/0808 Diagnosing performance data testing of vehicles G01M17/00; testing of electrical installation on vehicles G01R31/005

Abstract

A system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a first computing device associated with a driver of the vehicle, and a driving behaviors analysis server, comprising hardware including a processor and memory. The driving behaviors analysis server may receive, from the one or more sensors and via the telematics device, driving data of the driver of the vehicle and identify one or more driving behaviors of the driver over a predetermined period of time. The driving behaviors analysis server may then determine one or more of the driving behaviors to be indicative of unsafe driving by the driver. Further, based on the determination of unsafe driving behaviors, the driving behaviors analysis server may transmit, to the first computing device, a message on behalf of an insurance provider, recommending the driver to stop or limit driving.

Claims

1. A system comprising:

a telematics device associated with a vehicle having one or more sensors arranged therein;

a first computing device associated with a driver of the vehicle; and

a driving analysis server, comprising hardware including a processor and memory, the driving analysis server configured to;

collect, from the one or more sensors and via the telematics device and over a predetermined period of time, real-time driving data of the driver of the vehicle;

based on the driving data, identify, via the processor, one or more driving patterns of the driver over the predetermined period of time;

 

calculate, via the processor and for each of the one or more driving patterns of the driver, a score;

 

identify at least one score that is below one or more threshold values corresponding to safe driving patterns;

determine, based on the at least one score, that the driver has a history of driving patterns indicative of unsafe driving;

based on the determining that the driver has a history of driving patterns indicative of unsafe driving, generate a recommendation from an insurance provider for the driver to stop or limit driving;

generate, responsive to the recommendation for the driver to stop or limit driving, a residual value of the vehicle, wherein the residual value of the vehicle is based on the one or more driving patterns of the driver; and

transmit, to the first computing device, the recommendation to stop or limit driving and the residual value of the vehicle.

2. The system of claim 1, wherein the driving patterns indicative of unsafe driving comprise at least one of a pattern of:

driving below a minimum speed limit or below a posted speed limit, missing traffic signals, failing to stop at road signs, drifting into other lanes without signaling while driving, slow braking, slow reaction time to motorists or pedestrians, falling asleep while driving, and tailgating other vehicles.

3. The system of claim 1, wherein the driving analysis server is further configured to:

determine whether each score is below the one or more threshold values corresponding to the safe driving patterns; and

identify the at least one score that is below the one or more threshold values.

4. The system of claim 1, wherein the driving analysis server is further configured to:

send, to the first computing device, one or more offers from third party entities for the driver to sell the vehicle.

5. The system of claim 1, wherein the system further comprises a driving patterns database, and wherein the driving analysis server is further configured to determine the history by:

identifying that the driver has one or more roadside incidents; and

creating a record of the history in the driving patterns database.

6. The system of claim 1, wherein the driving data comprises real-time data that is collected, while the driver is driving, by the one or more sensors arranged in the vehicle, and wherein the one or more driving patterns of the driver are based on at least one of driving speeds, acceleration, braking, steering, miles driven, road conditions, and amount of time driven over the predetermined period of time.

7. An apparatus comprising:

at least one processor;

a network interface configured to communicate, via a network, with;

a telematics device associated with a vehicle having one or more sensors arranged therein and

a first computing device; and

a memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to;

collect, from the one or more sensors and via the telematics device and over a predetermined period of time, real-time driving data of a driver of the vehicle;

based on the driving data, identify, via the processor, one or more driving patterns of the driver over the predetermined period of time;

 

calculate, via the processor and for each of the one or more driving patterns of the driver, a score;

 

identify at least one score that is below one or more threshold values corresponding to safe driving patterns;

determine, based on the at least one score, that the driver has a history of driving patterns indicative of unsafe driving;

based on the determining that the driver has a history of driving patterns indicative of unsafe driving, generate a recommendation from an insurance provider for the driver to stop or limit driving;

generate, responsive to the recommendation for the driver to stop or limit driving, a residual value of the vehicle, wherein the residual value of the vehicle is based on the one or more driving patterns of the driver; and

transmit, to the first computing device, the recommendation to stop or limit driving and the residual value of the vehicle.

8. The apparatus of claim 7, wherein the driving patterns indicative of unsafe driving comprises at least one of a pattern of:

driving below a minimum speed limit or below a posted speed limit, missing traffic signals, failing to stop at road signs, drifting into other lanes without signaling while driving, slow braking, slow reaction time to motorists or pedestrians, falling asleep while driving, and tailgating other vehicles.

9. The apparatus of claim 7, wherein the instructions, when executed by the at least one processor, further cause the apparatus to:

determine whether each score is below the one or more threshold values corresponding to the safe driving patterns; and

identify the at least one score that is below the one or more threshold values.

10. The apparatus of claim 7, wherein the driver is a holder of an insurance policy and the driver is above a certain age, and wherein the predetermined period of time corresponds to a billing period associated with the insurance policy.

11. The apparatus of claim 7, wherein the driving data comprises real-time data that is collected, while the driver is driving, by the one or more sensors arranged in the vehicle, and wherein the one or more driving patterns of the driver are based on at least one of driving speeds, acceleration, braking, steering, miles driven, road conditions, and amount of time driven over the predetermined period of time.

12. A method comprising:

collecting, over a predetermined period of time and by a telematics device associated with a vehicle having one or more sensors arranged therein, real-time driving data of a driver of the vehicle;

based on the driving data, identifying, by one or more computing devices, one or more driving patterns of the driver over the predetermined period of time;

calculating, via the processor and for each of the one or more driving patterns of the driver, a score;

identifying at least one score that is below one or more threshold values corresponding to safe driving patterns;

determining, by the one or more computing devices and based on the at least one score, that the driver has a history of driving patterns indicative of unsafe driving;

based on the determining that the driver has a history of driving patterns indicative of unsafe driving, generating a recommendation from an insurance provider for the driver to stop or limit driving;

generating, responsive to the recommendation for the driver to stop or limit driving, a residual value of the vehicle, wherein the residual value of the vehicle is based on the one or more driving patterns of the driver; and

transmitting, to the driver, the recommendation to stop or limit driving and the residual value of the vehicle.

13. The method of claim 12, wherein the driving patterns indicative of unsafe driving comprise at least one of a pattern of:

driving below a minimum speed limit or below a posted speed limit, missing traffic signals, failing to stop at road signs, drifting into other lanes without signaling while driving, slow braking, slow reaction time to motorists or pedestrians, falling asleep while driving, and tailgating other vehicles.

14. The method of claim 12, wherein determining the at least one score further comprises:

determining whether each score is below the one or more threshold values corresponding to the safe driving patterns; and

identifying the at least one score that is below the one or more threshold values.

15. The method of claim 12, further comprising:

sending, by the one or more computing devices and to the driver, one or more offers from third party entities for the driver to sell the vehicle.

16. The method of claim 12, wherein the driver is a holder of an insurance policy and the driver is above a certain age, and wherein the predetermined period of time corresponds to a billing period associated with the insurance policy.

17. The method of claim 12, wherein the driving data comprises real-time data that is collected, while the driver is driving, by one or more sensors coupled to the vehicle, and wherein the one or more driving patterns of the driver are based on at least one of driving speeds, acceleration, braking, steering, miles driven, road conditions, and amount of time driven over the predetermined period of time.