Determining a property of an insurance policy based on the autonomous features of a vehicle
First Claim
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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Abstract
Systems and methods are disclosed for generating vehicle insurance rates based on driver-independent variables and/or driver-dependent variables. Vehicle insurance rates may additionally or alternatively be based on changes in the level of autonomy of vehicles. In some embodiments, a density of vehicles near a target vehicle may be tracked. Vehicle insurance rates may be determined based on the vehicle density. Furthermore, systems and methods are disclosed for analyzing a driver'"'"'s use of autonomous vehicle features and/or the driver'"'"'s maintenance of the autonomous vehicle. The driver may also be taught certain driving skills by enabling vehicle teaching features. The driver'"'"'s response to these teaching features may be monitored, and a reward or recommendation may be generated and provided to the driver based on the driver'"'"'s response.
438 Citations
19 Claims
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1. A method comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system comprising:
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a vehicle computing device; and a driving analysis computing device comprising; a processor; and memory storing computer-executable instructions that, when executed by the processor, cause the driving analysis computing device to; send an instruction to the vehicle computing device of a vehicle to switch from a currently engaged autonomous driving feature to a manual driving feature; determine 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; determine 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; determine 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; determine a second mileage unit indicating a total distance traveled by the vehicle over the predetermined road-type over the first period of time; determine a ratio between the first mileage unit and the second mileage unit; and adjust, based on the ratio, the value of the property of the insurance policy for the vehicle, wherein 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. - View Dependent Claims (9, 10, 11)
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12. A non-transitory computer readable medium storing instructions that, when read by a driving analysis computing device, cause the driving analysis computing device to:
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send 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; determine 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; determine 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; determine 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; determine a second mileage unit indicating a total distance traveled by the vehicle over the predetermined road-type over the first period of time; determine a ratio between the first mileage unit and the second mileage unit; and adjust, based on the ratio, the value of the property of the insurance policy for the vehicle, wherein 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. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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Specification