SYSTEMS AND METHODS FOR GENERATING DATA THAT IS REPRESENTATIVE OF AN INSURANCE POLICY FOR AN AUTONOMOUS VEHICLE

• US 20150242953A1
• Filed: 02/25/2014
• Published: 08/27/2015
• Est. Priority Date: 02/25/2014
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Suiter, Jerry Brett
• Granted Patent: US 10,380,693 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/0866 the electronic data carrier being a digital video recorder in combination with video camera

Abstract

Systems and methods for generating data representative of insurance coverage for autonomous vehicles are provided. In particular, systems and methods for generating data representative of insurance coverage for autonomous vehicles based on data representative of autonomous vehicle reliability are provided. The data representative of autonomous vehicle reliability may include data representative of the autonomous vehicle original equipment manufacturer test results, autonomous vehicle system manufacturer test results, autonomous vehicle system component manufacturer test results, insurance company autonomous vehicle, systems and/or component test results, and/or third party test results of the autonomous vehicle, systems and/or components.

Claims

1. A computer implemented method for generating data that is representative of reliability of an autonomous vehicle, and for generating data representative of an insurance policy for the autonomous vehicle based on the data representative of the reliability of the autonomous vehicle, the method comprising:

acquiring, from one or more data sources, autonomous vehicle reliability data, wherein the autonomous vehicle reliability data is representative of reliability of the autonomous vehicle to operate autonomously, and wherein the autonomous vehicle reliability data is at least partially based on tests performed by at least one of;

an original equipment manufacturer, an insurance company, or a third party;

acquiring, from one or more vehicle sensors, autonomous vehicle real-time operation data, wherein the autonomous vehicle real-time operation data is representative of real-time operation of the autonomous vehicle;

determining an autonomous vehicle reliability score based, at least in part, on the autonomous vehicle reliability data and the autonomous vehicle real-time operation data; and

generating, using one or more processors, autonomous vehicle insurance data based on the autonomous vehicle reliability score, wherein the autonomous vehicle insurance data is representative of an insurance policy for the autonomous vehicle.

2. The method of claim 1, wherein acquiring the autonomous vehicle reliability data includes acquiring autonomous vehicle reliability data from at least one of:

an original equipment manufacture of the autonomous vehicle, an original equipment manufacture of a system of the autonomous vehicle, an original equipment manufacture of a system component of the autonomous vehicle, a national highway safety administration, a third-party testing organization, or an insurance company.

3. The method of claim 1, wherein acquiring the autonomous vehicle reliability data includes acquiring autonomous vehicle reliability data that is representative of at least one of:

actual driving of the autonomous vehicle, virtual driving scenario of the autonomous vehicle, or crash tests of the autonomous vehicle.

4. The method of claim 1, wherein acquiring the autonomous vehicle real-time operation data includes acquiring autonomous vehicle real-time data from at least one of:

a sensor built into the autonomous vehicle to avoid crashes, an infrared sensor, an ultrasonic sensor, an audio sensor, a pressure sensor, an image sensor, a sensor indicative of whether the autonomous vehicle is currently being operated in an autonomous mode, a sensor indicative of whether the autonomous vehicle was involved in an accident, or a sensor indicative of whether the autonomous vehicle is currently being operated in a manual mode.

5. The method of claim 1, further comprising:

determining, using one or more processors, that the autonomous vehicle is currently being operated in an autonomous mode and generating data representative of an insurance bill based on the data representative of the insurance policy for the autonomous vehicle.

6. The method of claim 1, further comprising:

receiving, using one or more processors, data representative of a non-autonomous vehicle insurance policy; and

determining, using one or more processors, that the autonomous vehicle is currently being operated in a manual mode and generating data representative of an insurance bill based on the data representative of the non-autonomous vehicle insurance policy.

7. A computer system for generating data that is representative of reliability of an autonomous vehicle, and for generating data representative of an insurance policy for the autonomous vehicle based on the data representative of the reliability of the autonomous vehicle, the computer system comprising:

an autonomous vehicle reliability data acquisition module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to acquire, from one or more data sources, autonomous vehicle reliability data, wherein the autonomous vehicle reliability data is representative of reliability of the autonomous vehicle to operate autonomously, and wherein the autonomous vehicle reliability data is at least partially based on tests performed on at least one of;

a component of an autonomous vehicle system, an autonomous vehicle system, or an autonomous vehicle;

an autonomous vehicle real-time data acquisition module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to acquire, from one or more vehicle sensors, autonomous vehicle real-time operation data wherein the autonomous vehicle operation data is representative of real-time operation of the autonomous vehicle;

an autonomous vehicle reliability score determination module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to determine an autonomous vehicle score based, at least in part, on the autonomous vehicle reliability data and the autonomous vehicle real-time operation data; and

an autonomous vehicle insurance policy data generation module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to generate autonomous vehicle insurance data based on the the autonomous vehicle reliability score, wherein the autonomous vehicle insurance data is representative of an insurance policy for the autonomous vehicle.

8. The computer system of claim 7, wherein the autonomous vehicle reliability data is received from at least one of:

an original equipment manufacture of the autonomous vehicle, an original equipment manufacture of a system of the autonomous vehicle, an original equipment manufacture of a system component of the autonomous vehicle, a national highway safety administration, a third-party testing organization, or an insurance company.

9. The computer system of claim 7, wherein the autonomous vehicle reliability data is representative of at least one of:

actual driving of the autonomous vehicle, virtual driving scenario of the autonomous vehicle, or crash tests of the autonomous vehicle.

10. The computer system of claim 7, further comprising:

an autonomous vehicle real-time data acquisition and transmission module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor acquire and transmit autonomous vehicle real-time operation data from a vehicle computer to a remote computer, wherein the processor acquires the autonomous vehicle real-time operation data from at least one of;

a sensor built into the autonomous vehicle to avoid crashes, an infrared sensor, an ultrasonic sensor, an audio sensor, a pressure sensor, an image sensor, a sensor indicative of whether the autonomous vehicle is currently being operated in an autonomous mode, a sensor indicative of whether the autonomous vehicle was involved in an accident, or a sensor indicative of whether the autonomous vehicle is currently being operated in a manual mode.

11. The computer system of claim 7, further comprising:

an autonomous vehicle operation mode determination module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to determine that the autonomous vehicle is currently being operated in an autonomous mode and causes the processor to generate data representative of an insurance bill based on the data representative of the insurance policy for the autonomous vehicle.

12. The computer system of claim 7, further comprising:

a non-autonomous vehicle insurance policy data acquisition module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to receive data representative of a non-autonomous vehicle insurance policy, causes the processor to determine that the autonomous vehicle is currently being operated in a manual mode and causes the processor to generate data representative of an insurance bill based on the data representative of the non-autonomous vehicle insurance policy.

13. The computer system of claim 12, further comprising:

an autonomous vehicle operation mode determination module stored on a non-transitory computer-readable memory that, when executed by a processor, causes the processor to determine that the autonomous vehicle is currently being operated in an autonomous mode and causes the processor to generate data representative of an insurance bill based on the data representative of the insurance policy for the autonomous vehicle and the data representative of the non-autonomous vehicle insurance policy.

14. A non-transitory computer-readable memory storing instructions that, when executed by one or more processors, cause the one or more processors to generate data that is representative of reliability of an autonomous vehicle, and for generating data representative of an insurance policy for the autonomous vehicle based on the data representative of the reliability of the autonomous vehicle, the non-transitory computer-readable memory comprising:

an autonomous vehicle reliability data acquisition module that, when executed by a processor, causes the processor to acquire, from one or more data sources, autonomous vehicle reliability data, wherein the autonomous vehicle reliability data is representative of reliability of the autonomous vehicle to operate autonomously, and wherein the autonomous vehicle reliability data is at least partially based on tests related to at least one autonomous vehicle;

an autonomous vehicle real-time data acquisition module that, when executed by a processor, causes the processor to acquire, from one or more vehicle sensors, autonomous vehicle real-time operation data, wherein the autonomous vehicle operation data is representative of real-time operation of the autonomous vehicle;

an autonomous vehicle reliability score determination module that, when executed by a processor, causes the processor to determine an autonomous vehicle score based, at least in art on the autonomous vehicle reliability data and the autonomous vehicle real-time operation data; and

an autonomous vehicle insurance policy data generation module that, when executed by a processor, causes the processor to generate autonomous vehicle insurance data based on the autonomous vehicle reliability score, wherein the autonomous vehicle insurance data is representative of an insurance policy for the autonomous vehicle.

15. The non-transitory computer-readable memory of claim 14, wherein the autonomous vehicle reliability data is received from at least one of:

an original equipment manufacture of the autonomous vehicle, an original equipment manufacture of a system of the autonomous vehicle, an original equipment manufacture of a system component of the autonomous vehicle, a national highway safety administration, a third-party testing organization, or an insurance company.

16. The non-transitory computer-readable memory of claim 14, wherein the autonomous vehicle reliability data is representative of at least one of:

actual driving of the autonomous vehicle, virtual driving scenario of the autonomous vehicle, or crash tests of the autonomous vehicle.

17. The non-transitory computer-readable memory of claim 14, further comprising:

an autonomous vehicle real-time data acquisition and transmission module that, when executed by a processor, causes the processor acquire and transmit autonomous vehicle real-time operation data from a vehicle computer to a remote computer, wherein the processor acquires the autonomous vehicle real-time operation data from at least one of;

a sensor built into the autonomous vehicle to avoid crashes, an infrared sensor, an ultrasonic sensor, an audio sensor, a pressure sensor, an image sensor, a sensor indicative of whether the autonomous vehicle is currently being operated in an autonomous mode, a sensor indicative of whether the autonomous vehicle was involved in an accident, or a sensor indicative of whether the autonomous vehicle is currently being operated in a manual mode.

18. The non-transitory computer-readable memory of claim 14, further comprising:

an autonomous vehicle operation mode determination module that, when executed by a processor, causes the processor to determine that the autonomous vehicle is currently being operated in an autonomous mode and causes the processor to generate data representative of an insurance bill based on the data representative of the insurance policy for the autonomous vehicle.

19. The non-transitory computer-readable memory of claim 14, further comprising:

a non-autonomous vehicle insurance policy data acquisition module that, when executed by a processor, causes the processor to receive data representative of a non-autonomous vehicle insurance policy, causes the processor to determine that the autonomous vehicle is currently being operated in a manual mode and causes the processor to generate data representative of an insurance bill based on the data representative of the non-autonomous vehicle insurance policy.

20. The non-transitory computer-readable memory of claim 19, further comprising:

an autonomous vehicle operation mode determination module that, when executed by a processor, causes the processor to determine that the autonomous vehicle is currently being operated in an autonomous mode and causes the processor to generate data representative of an insurance bill based on the data representative of the insurance policy for the autonomous vehicle and the data representative of the non-autonomous vehicle insurance policy.