Determining a property of an insurance policy based on the level of autonomy of a vehicle

  • US 10,796,369 B1
  • Filed: 08/13/2014
  • Issued: 10/06/2020
  • Est. Priority Date: 02/19/2014
  • Status: Active Grant
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First Claim
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1. A method comprising:

  • operating, by a computing device, autonomous features of a semi-autonomous vehicle;

    determining, by the computing device, a first average number of autonomous features, of the semi-autonomous vehicle, enabled during a first time period;

    determining, by the computing device, a value of a property of an insurance policy for the semi-autonomous vehicle for the first time period, wherein the value of the property of the insurance policy is based at least on a driver-independent variable of the semi-autonomous vehicle and a driver-dependent variable;

    based on an environmental condition of the semi-autonomous vehicle during a second time period which follows the first time period, changing, by the computing device, a level of autonomy of the semi-autonomous vehicle;

    determining, by the computing device, a second average number of autonomous features, of the semi-autonomous vehicle, enabled during the second time period;

    in response to detecting a difference between the first average number of autonomous features and the second average number of autonomous features, changing, by the computing device, the value of the property of the insurance policy for the second time period, wherein the changing the value of the property of the insurance policy for the second time period comprises;

    in response to detecting that the second average number of autonomous features is greater than the first average number of autonomous features;

    retrieving, by the computing device and from a database, an increased weight for the driver-independent variable of the semi-autonomous vehicle and a decreased weight for the driver-dependent variable; and

    decreasing, by the computing device, the value of the property of the insurance policy for the second time period, based on at least one of the increased weight for the driver-independent variable of the semi-autonomous vehicle or the decreased weight for the driver-dependent variable; and

    generating a notification of the decreased value of the property of the insurance policy to encourage usage of the autonomous features of the semi-autonomous vehicle.

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