Systems and Methods for Generating Vehicle Insurance Policy Data Based on Empirical Vehicle Related Data
First Claim
1. A computer implemented method for automatically generating insurance policy related data, the method comprising:
- receiving, at one or more processors, empirical vehicle operator identity data, wherein the empirical vehicle operator identity data is representative of an identity of a vehicle operator;
receiving, at one or more processors, empirical vehicle operation data, wherein the empirical vehicle operation data is representative of an actual vehicle operator, and the empirical vehicle operation data is based at least partially on vehicle sensor data;
correlating, by one or more processors, at least a portion of the empirical vehicle operator identity data with at least a portion of the empirical vehicle operation data; and
generating, by one or more processors, vehicle insurance policy related data based, at least in part, on the correlated empirical vehicle operator identity data and empirical vehicle operation data.
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Abstract
The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.
102 Citations
24 Claims
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1. A computer implemented method for automatically generating insurance policy related data, the method comprising:
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receiving, at one or more processors, empirical vehicle operator identity data, wherein the empirical vehicle operator identity data is representative of an identity of a vehicle operator; receiving, at one or more processors, empirical vehicle operation data, wherein the empirical vehicle operation data is representative of an actual vehicle operator, and the empirical vehicle operation data is based at least partially on vehicle sensor data; correlating, by one or more processors, at least a portion of the empirical vehicle operator identity data with at least a portion of the empirical vehicle operation data; and generating, by one or more processors, vehicle insurance policy related data based, at least in part, on the correlated empirical vehicle operator identity data and empirical vehicle operation data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for automatically generating vehicle insurance policy related data, the system comprising:
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an empirical vehicle operator identity data acquisition module stored on a memory that, when executed by a processor, causes the processor to acquire empirical vehicle operator identity data, wherein the empirical vehicle operator identity data is representative of an identity of a vehicle operator; an empirical vehicle operation data acquisition module stored on a memory that, when executed by a processor, causes the processor to acquire empirical vehicle operation data, wherein the empirical vehicle operation data is representative of an actual vehicle operator; and a vehicle insurance policy data generation module stored on a memory that, when executed by a processor, causes the processor to generate vehicle insurance policy related data based, at least in part, on the empirical vehicle operator identity data and the empirical vehicle operation data. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A tangible, computer-readable medium storing instructions that, when executed by a process, cause the processor to automatically generate vehicle insurance policy related data, the instructions comprising:
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an empirical vehicle operator identity data acquisition module that, when executed by a processor, causes the processor to acquire empirical vehicle operator identity data, wherein the empirical vehicle operator identity data is representative of an identity of a vehicle operator; an empirical vehicle operation data acquisition module that, when executed by a processor, causes the processor to acquire empirical vehicle operation data, wherein the empirical vehicle operation data is representative of an actual vehicle operator; and a vehicle insurance policy data generation module that, when executed by a processor, causes the processor to generate vehicle insurance policy related data based, at least in part, on the empirical vehicle operator identity data and the empirical vehicle operation data. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
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Specification