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ROUTE RISK MITIGATION

  • US 20160169690A1
  • Filed: 09/23/2015
  • Published: 06/16/2016
  • Est. Priority Date: 05/10/2007
  • Status: Active Grant
First Claim
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1. An apparatus, comprising:

  • a processor configured to execute computer-executable instructions stored in a memory;

    a telematics device, which is in communication with the processor, configured to monitor consumption of risk units; and

    the memory containing computer-executable instructions that, when executed by the processor, cause the apparatus to perform steps comprising;

    calculating a route from a start location to an end location;

    calculating a route risk score for the route, wherein vehicle direction through the route is a factor in calculating a route risk score for the route, wherein a road segment of the route has a higher risk score for a vehicle travelling in a first direction and a lower risk score for a vehicle traveling in a second direction, wherein the first direction and second direction are in opposite directions;

    sending the calculated route and the route risk score to an output device, wherein the route risk score indicates safety risk of the route;

    determining a number of risk units consumed based on the calculated route and route risk score;

    determining a cost of a vehicle insurance policy based on the number of risk units consumed.

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