SYSTEMS AND METHODS FOR INSURANCE BASED UPON CHARACTERISTICS OF A COLLISION DETECTION SYSTEM
First Claim
1. A method, comprising:
- accessing electronic information pertaining to a characteristic of a collision detection system of a vehicle; and
determining, by a processor, a property of an insurance policy based upon the characteristic of the collision detection system of the vehicle, wherein the characteristic comprises an indicator of whether the collision detection system is capable of taking an automatic collision avoidance action in response to detecting a potential collision and whether the collision detection system is configured to allow automatic collision avoidance actions to be overridden.
1 Assignment
0 Petitions
Accused Products
Abstract
A property of an insurance policy may be determined, at least in part, upon characteristics of a vehicle collision detection system. The characteristics may pertain to any capability, configuration, and/or operating state of the collision detection system (and/or vehicle). For example, a property of the insurance policy may be based upon whether the collision detection system is configured to take automatic collision avoidance actions in response to detecting a potential collision and/or whether the automatic collision avoidance actions can be overridden by the operator of the vehicle. The property of the insurance policy may be dynamic, and may be updated in response to changes to the collision detection system and/or the real-time operating state thereof. The coverage of particular events may be based upon characteristics of the collision detection system and/or vehicle at the time the event occurred.
233 Citations
289 Claims
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1. A method, comprising:
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accessing electronic information pertaining to a characteristic of a collision detection system of a vehicle; and determining, by a processor, a property of an insurance policy based upon the characteristic of the collision detection system of the vehicle, wherein the characteristic comprises an indicator of whether the collision detection system is capable of taking an automatic collision avoidance action in response to detecting a potential collision and whether the collision detection system is configured to allow automatic collision avoidance actions to be overridden. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 24, 98, 109, 112, 113, 114, 115, 116, 118, 119, 126)
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2-12. -12. (canceled)
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22-23. -23. (canceled)
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25-97. -97. (canceled)
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99-108. -108. (canceled)
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110-111. -111. (canceled)
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117. (canceled)
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120-125. -125. (canceled)
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127-148. -148. (canceled)
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149. A system, comprising:
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a computing device comprising a processor; and an insurance module operating on the processor of the computing device, wherein the insurance module is configured to determine a property of an insurance policy based upon a characteristic of a collision detection system of a vehicle, wherein the characteristic comprises an indication of whether the collision detection system is configured to lock one or more control inputs of the vehicle while the collision detection system takes one or more automatic collision avoidance actions in response to detecting a potential collision. - View Dependent Claims (151, 229, 232, 238, 241, 246, 247, 248, 270, 271, 272, 273, 288)
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150. (canceled)
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152-228. -228. (canceled)
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230-231. -231. (canceled)
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233-237. -237. (canceled)
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239-240. -240. (canceled)
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242-245. -245. (canceled)
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249-269. -269. (canceled)
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274-287. -287. (canceled)
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289. A non-transitory machine-readable storage medium comprising program code configured to cause a computing device to perform a method, comprising:
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accessing information pertaining to a characteristic of a collision detection system of a vehicle; and determining a property of an insurance policy based upon the characteristic of the collision detection system of the vehicle, wherein the characteristic comprises an indication of whether the collision detection system is configured to prevent an operator of the vehicle from overriding an automatic collision avoidance action taken by the collision detection system in response to detecting a potential collision.
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Specification