Route risk mitigation
First Claim
1. A method, comprising:
- at a computing device comprising at least one processor and at least one memory;
receiving, by the at least one processor and from a navigation device located in a vehicle, information identifying a travel route, monitored by the navigation device, being traveled by the vehicle in which the computing device is located, wherein the travel route being traveled by the vehicle comprises a first location and a second location, and wherein the travel route being traveled by the vehicle comprises a plurality of route segments associated with the travel route being traveled by the vehicle;
retrieving, by the at least one processor, a segment value for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, wherein each segment value is determined based on loss cost associated with one or more accidents associated with a corresponding route segment of the plurality of route segments, causes of the one or more accidents, and information identifying a direction of travel at an accident location;
aggregating, by the at least one processor, the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle to calculate a total route risk value for the travel route being traveled by the vehicle;
adjusting, by the at least one processor, a cost of a vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle;
based on adjusting the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle, sending, by the at least one processor, information identifying the cost of the vehicle insurance policy for the vehicle to a display device located in the vehicle while the travel route is being traveled by the vehicle, wherein sending the information identifying the cost of the vehicle insurance policy for the vehicle to the display device located in the vehicle while the travel route is being traveled by the vehicle causes the display device located in the vehicle to display the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle; and
causing, by the at least one processor, based on the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, the display device located in the vehicle to output, via an output system of the display device located in the vehicle, a warning of a first route segment of the plurality of route segments being a high risk road segment and an incentive for avoiding the first route segment.
1 Assignment
0 Petitions
Accused Products
Abstract
A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.
0 Citations
20 Claims
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1. A method, comprising:
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at a computing device comprising at least one processor and at least one memory; receiving, by the at least one processor and from a navigation device located in a vehicle, information identifying a travel route, monitored by the navigation device, being traveled by the vehicle in which the computing device is located, wherein the travel route being traveled by the vehicle comprises a first location and a second location, and wherein the travel route being traveled by the vehicle comprises a plurality of route segments associated with the travel route being traveled by the vehicle; retrieving, by the at least one processor, a segment value for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, wherein each segment value is determined based on loss cost associated with one or more accidents associated with a corresponding route segment of the plurality of route segments, causes of the one or more accidents, and information identifying a direction of travel at an accident location; aggregating, by the at least one processor, the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle to calculate a total route risk value for the travel route being traveled by the vehicle; adjusting, by the at least one processor, a cost of a vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle; based on adjusting the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle, sending, by the at least one processor, information identifying the cost of the vehicle insurance policy for the vehicle to a display device located in the vehicle while the travel route is being traveled by the vehicle, wherein sending the information identifying the cost of the vehicle insurance policy for the vehicle to the display device located in the vehicle while the travel route is being traveled by the vehicle causes the display device located in the vehicle to display the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle; and causing, by the at least one processor, based on the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, the display device located in the vehicle to output, via an output system of the display device located in the vehicle, a warning of a first route segment of the plurality of route segments being a high risk road segment and an incentive for avoiding the first route segment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computing device, comprising:
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at least one processor; and at least one memory storing instructions that, when executed by the at least one processor, cause the computing device to; receive, from a navigation device located in a vehicle, information identifying a travel route, monitored by the navigation device, being traveled by the vehicle in which the computing device is located, wherein the travel route being traveled by the vehicle comprises a first location and a second location, and wherein the travel route being traveled by the vehicle comprises a plurality of route segments associated with the travel route being traveled by the vehicle; retrieve a segment value for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, wherein each segment value is determined based on loss cost associated with one or more accidents associated with a corresponding route segment of the plurality of route segments, causes of the one or more accidents, and information identifying a direction of travel at an accident location; aggregate the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle to calculate a total route risk value for the travel route being traveled by the vehicle; adjust a cost of a vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle; based on adjusting the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle, send information identifying the cost of the vehicle insurance policy for the vehicle to a display device located in the vehicle while the travel route is being traveled by the vehicle, wherein sending the information identifying the cost of the vehicle insurance policy for the vehicle to the display device located in the vehicle while the travel route is being traveled by the vehicle causes the display device located in the vehicle to display the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle; and cause, based on the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, the display device located in the vehicle to output, via an output system of the display device located in the vehicle, a warning of a first route segment of the plurality of route segments being a high risk road segment and an incentive for avoiding the first route segment. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. One or more non-transitory computer-readable media storing instructions that, when executed by a computing device comprising at least one processor and at least one memory, cause the computing device to:
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receive, from a navigation device located in a vehicle, information identifying a travel route, monitored by the navigation device, being traveled by the vehicle in which the computing device is located, wherein the travel route being traveled by the vehicle comprises a first location and a second location, and wherein the travel route being traveled by the vehicle comprises a plurality of route segments associated with the travel route being traveled by the vehicle; retrieve a segment value for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, wherein each segment value is determined based on loss cost associated with one or more accidents associated with a corresponding route segment of the plurality of route segments, causes of the one or more accidents, and information identifying a direction of travel at an accident location; aggregate the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle to calculate a total route risk value for the travel route being traveled by the vehicle; adjust a cost of a vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle; based on adjusting the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle based on the total route risk value for the travel route being traveled by the vehicle, send information identifying the cost of the vehicle insurance policy for the vehicle to a display device located in the vehicle while the travel route is being traveled by the vehicle, wherein sending the information identifying the cost of the vehicle insurance policy for the vehicle to the display device located in the vehicle while the travel route is being traveled by the vehicle causes the display device located in the vehicle to display the cost of the vehicle insurance policy for the vehicle while the travel route is being traveled by the vehicle; and cause, based on the segment values retrieved for each route segment of the plurality of route segments associated with the travel route being traveled by the vehicle, the display device located in the vehicle to output, via an output system of the display device, a warning of a first route segment of the plurality of route segments being a high risk road segment and an incentive for avoiding the first route segment. - View Dependent Claims (20)
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Specification