SoberTeenTM Driving Insurance
First Claim
1. We claim that we have invented and adequately described a new auto insurance product where a driver receives a 10 to 30 percent discount in premium in exchange for allowing the insurance company to monitor his or her car to determine if anyone drives it while under the influence of alcohol.
1 Assignment
0 Petitions
Accused Products
Abstract
Drunk driving causes terrible misery. A new type of auto insurance called SoberTeen™ Driving insurance may help that. SoberTeen driving insurance is auto insurance that provides a 10% to 30% discount to young drivers who always drive sober and are willing to let an insurance company monitor their cars to verify it. Intoxication can be determined from measuring braking force, accelerator use and proximity to nearby cars. A “nonintrusive load monitor” algorithm can figure out if a driver is intoxicated, even if different drivers use the car. The insurance product may be set up so that the policy premium is based on monitoring a young driver during a one month probationary period, but there is no actual monitoring during the next year of insurance coverage. That way, driver privacy is protected.
72 Citations
8 Claims
- 1. We claim that we have invented and adequately described a new auto insurance product where a driver receives a 10 to 30 percent discount in premium in exchange for allowing the insurance company to monitor his or her car to determine if anyone drives it while under the influence of alcohol.
- 6. We also claim that we have invented a new type of auto insurance product where a young driver agrees to have his or her driving monitored for at least a month and where the rates for the next year are based on the results of the monitoring.
Specification