ASSESSING RISK USING VEHICLE ENVIRONMENT INFORMATION
First Claim
1. A method comprising:
- collecting, during a first time period and by a sensor (i) located on or in a first vehicle associated with an insurance policy and (ii) configured to sense an environment external to the first vehicle, first sensor data;
receiving, at a communication interface of the first vehicle and during the first time period, first additional data from a second vehicle via a first set of one or more wireless signals;
receiving, at an electronic processing system comprising a memory and one or more processors, the first sensor data and the first additional data;
storing (i) the received first sensor data, and (ii) the received first additional data, in the memory;
processing, via the one or more processors, (i) the stored first sensor data, and (ii) the stored first additional data, to determine a first set of one or more characteristics of the environment external to the first vehicle, wherein the first set of characteristics corresponds to the first time period;
determining, via the one or more processors and based on the determined first set of characteristics, a first risk indicator representing a risk of loss associated with the first vehicle during the first time period;
determining, via the one or more processors and based on the determined first risk indicator, a first insurance rating for the insurance policy associated with the first vehicle;
collecting, during a second time period later than the first time period and by the sensor, second sensor data;
receiving, at the communication interface of the first vehicle and during the second time period, second additional data from a third vehicle via a second set of one or more wireless signals;
receiving, at the electronic processing system, the second sensor data and the second additional data;
storing (i) the received second sensor data, and (ii) the received second additional data, in the memory;
processing, via the one or more processors, (i) the stored second sensor data, and (ii) the stored second additional data, to determine a second set of one or more characteristics of the environment external to the first vehicle, wherein the second set of characteristics corresponds to the second time period;
determining, via the one or more processors and based on the determined second set of characteristics, a second risk indicator representing a risk of loss associated with the first vehicle during the second time period; and
determining, via the one or more processors and based on the determined second risk indicator, a second insurance rating for the insurance policy associated with the first vehicle.
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Accused Products
Abstract
A method includes receiving first sensor data representing information collected, during a first time period, by a sensor located on or in a vehicle configured to sense an environment external to the vehicle, storing the data in a memory, processing the data to determine a first set of one or more characteristics of the external environment, and determining, based on the first set of characteristics, a first risk indicator representing a risk of loss during the first time period. The method also includes receiving second sensor data representing information collected, during a second time period, by the sensor, storing the data in the memory, and processing the data to determine a second set of one or more characteristics of the external environment. The method also includes determining, based on the second set of characteristics, a second risk indicator representing a risk of loss during the second time period.
280 Citations
23 Claims
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1. A method comprising:
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collecting, during a first time period and by a sensor (i) located on or in a first vehicle associated with an insurance policy and (ii) configured to sense an environment external to the first vehicle, first sensor data; receiving, at a communication interface of the first vehicle and during the first time period, first additional data from a second vehicle via a first set of one or more wireless signals; receiving, at an electronic processing system comprising a memory and one or more processors, the first sensor data and the first additional data; storing (i) the received first sensor data, and (ii) the received first additional data, in the memory; processing, via the one or more processors, (i) the stored first sensor data, and (ii) the stored first additional data, to determine a first set of one or more characteristics of the environment external to the first vehicle, wherein the first set of characteristics corresponds to the first time period; determining, via the one or more processors and based on the determined first set of characteristics, a first risk indicator representing a risk of loss associated with the first vehicle during the first time period; determining, via the one or more processors and based on the determined first risk indicator, a first insurance rating for the insurance policy associated with the first vehicle; collecting, during a second time period later than the first time period and by the sensor, second sensor data; receiving, at the communication interface of the first vehicle and during the second time period, second additional data from a third vehicle via a second set of one or more wireless signals; receiving, at the electronic processing system, the second sensor data and the second additional data; storing (i) the received second sensor data, and (ii) the received second additional data, in the memory; processing, via the one or more processors, (i) the stored second sensor data, and (ii) the stored second additional data, to determine a second set of one or more characteristics of the environment external to the first vehicle, wherein the second set of characteristics corresponds to the second time period; determining, via the one or more processors and based on the determined second set of characteristics, a second risk indicator representing a risk of loss associated with the first vehicle during the second time period; and determining, via the one or more processors and based on the determined second risk indicator, a second insurance rating for the insurance policy associated with the first vehicle. - View Dependent Claims (2, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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3. -5. (canceled)
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15. -16. (canceled)
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17. A system comprising:
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a sensor configured to sense an environment external to a first vehicle and collect (i) first sensor data during a first time period and (ii) second sensor data during a second time period later than the first time period; a communication interface configured to receive, at the first vehicle, (i) first additional data from a second vehicle via a first set of one or more wireless signals during the first time period and (ii) second additional data from a third vehicle via a second set of one or more wireless signals during the second time period; and an electronic processing system comprising a memory, a data collection unit configured to receive the first sensor data and the first additional data, store (i) the received first sensor data, and (ii) the received first additional data, in the memory, receive the second sensor data and the second additional data, and store (i) the received second sensor data, and (ii) the received second additional data, in the memory, a risk determination unit comprising one or more processors and coupled to the data collection unit, wherein the risk determination unit is configured to process, via the one or more processors, (i) the stored first sensor data, and (ii) the stored first additional data, to determine a first set of one or more characteristics of the environment external to the first vehicle, wherein the first set of characteristics corresponds to the first time period, determine, via the one or more processors and based on the determined first set of characteristics, a first risk indicator representing a risk of loss associated with the first vehicle during the first time period, process, via the one or more processors, (i) the stored second sensor data, and (ii) the stored additional data, to determine a second set of one or more characteristics of the environment external to the first vehicle, wherein the second set of characteristics corresponds to the second time period, and determine, via the one or more processors and based on the determined second set of characteristics, a second risk indicator representing a risk of loss associated with the first vehicle during the second time period, and an insurance rating unit configured to determine, based on the determined first risk indicator, a first insurance rating for an insurance policy associated with the first vehicle, and determine, based on the determined second risk indicator, a second insurance rating for the insurance policy associated with the first vehicle. - View Dependent Claims (18, 20, 21, 22)
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19. (canceled)
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23. -25. (canceled)
Specification