Determining a property of an insurance policy based on the autonomous features of a vehicle

  • US 10,803,525 B1
  • Filed: 08/13/2014
  • Issued: 10/13/2020
  • Est. Priority Date: 02/19/2014
  • Status: Active Grant
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First Claim
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1. A method comprising:

  • sending, by a driving analysis computing device, an instruction to a vehicle computing device of a vehicle to switch the vehicle from a currently engaged autonomous driving feature to a manual driving feature;

    determining, by the driving analysis computing device, operational data of the vehicle operated under the manual driving feature after the currently engaged autonomous driving feature is switched to the manual driving feature;

    determining, by the driving analysis computing device, a value of a property of an insurance policy for the vehicle based on the operational data of the vehicle operated under the manual driving feature after the currently engaged autonomous driving feature is switched to the manual driving feature;

    determining a first mileage unit indicating a total distance traveled by the vehicle over a predetermined road-type when the vehicle was engaged in the currently engaged autonomous driving feature over a first period of time;

    determining a second mileage unit indicating a total distance traveled by the vehicle over the predetermined road-type over the first period of time;

    determining a ratio between the first mileage unit and the second mileage unit; and

    adjusting, based on the ratio, the value of the property of the insurance policy for the vehicle,wherein the determining the operational data of the vehicle after the currently engaged autonomous driving feature is switched to the manual driving feature comprises determining a history of response of a driver of the vehicle to the currently engaged autonomous driving feature being switched off over a second period of time.

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