System and method for providing driving insurance
First Claim
1. A system for determining one or more conditions of a driving insurance policy for a driver, comprising a processor configured to:
- (a) receive values of one or more parameters indicative of a driving profile of the driver; and
(b) calculate a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile.
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Accused Products
Abstract
A method and system for determining one or more conditions of a driving insurance policy for a driver. The system of the invention comprises a processor configured to receive values of one or more parameters indicative of a driving profile of the driver and to calculate a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile. Typically the one or more parameters indicative of the driving profile are calculated from a data steam generated by a vehicle sensor utility installed in a vehicle that monitors the state of the vehicle while being driven by the driver.
223 Citations
30 Claims
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1. A system for determining one or more conditions of a driving insurance policy for a driver, comprising a processor configured to:
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(a) receive values of one or more parameters indicative of a driving profile of the driver; and
(b) calculate a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for determining one or more conditions of a driving insurance policy for a driver, comprising a processor configured to:
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(a) receiving values of one or more parameters indicative of a driving profile of the driver; and
(b) calculating a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 29)
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25. A system for determining one or more conditions of a driving insurance policy for a driver, comprising
(a) a vehicle sensor utility operative to monitor the state of a vehicle and to output a data stream indicative of a driver'"'"'s driving; - and
(b) a processor configured to;
(i) detect one or more driving events in the driver'"'"'s driving from the data stream output from the vehicle sensor utility;
(ii) identify one or more driving maneuvers executed by the driver, a driving maneuver being a predetermined sequence of driving events;
(iii) calculate the values of the one or more parameters indicative of one or more detected driving maneuvers;
(iv) calculate the values of parameters indicative of the driver'"'"'s driving profile in a calculation involving the values of the one or more parameters indicative of one or more detected driving maneuvers; and
(v) calculate a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile.
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26. A method for determining one or more conditions of a driving insurance policy for a driver, comprising:
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(a) detecting one or more driving events in the driver'"'"'s driving in a data stream output from a vehicle sensor utility;
(b) identifying one or more driving maneuvers executed by the driver, a driving maneuver being a predetermined sequence of driving events;
(c) calculating the values of the one or more parameters indicative of one or more detected driving maneuvers;
(d) calculating the values of parameters indicative of the driver'"'"'s driving profile in a calculation involving the values of the one or more parameters indicative of one or more detected driving maneuvers; and
(e) calculating a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile.
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- 27. A program storage device readable by machine, tangibly embodying a program of instructions executable by the machine to perform method steps for determining one or more conditions of a driving insurance policy for a driver, comprising calculating a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile.
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28. A computer program product comprising a computer useable medium having computer readable program code embodied therein for determining one or more conditions of a driving insurance policy for a driver, the computer program product comprising computer readable program code for causing the computer to calculate a value of each of one or more parameters indicative of the one or more conditions of the insurance policy based upon the values of the one or more parameters indicative of the driver'"'"'s driving profile.
Specification