System and method for providing a user interface for vehicle mentoring system users and insurers

  • US 9,117,246 B2
  • Filed: 02/12/2009
  • Issued: 08/25/2015
  • Est. Priority Date: 07/17/2007
  • Status: Active Grant
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First Claim
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1. A system of mentoring a driver of a vehicle to provide the driver with awareness of how the driver'"'"'s behavior while operating the vehicle affects the driver'"'"'s insurance rating, the system comprising:

  • a plurality of sensors installed in a vehicle which detect parameters from which data is derived that defines the following information;

    i) where the vehicle is being driven, ii) date and time as to when the vehicle is being driven, iii) how the vehicle is being operated, iv) road conditions, v) whether vehicle equipment is being correctly used, and vi) one or more driver behaviors that are related to safe driving behaviors;

    an on-board vehicle monitoring system which comprises system memory and one or more processors for data processing, and which receives as inputs i) the detected parameters from said plurality of sensors installed in the vehicle, ii) thresholds which define criteria against which one or more of the detected parameters are evaluated, and iii) identification information for the driver of the vehicle;

    the on-board vehicle monitoring system using the one or more processors to evaluate the input detected parameters by performing the following computer-implemented data processing;

    determining a particular date, time and street where the vehicle is traveling; and

    determining from the input parameters and the one or more thresholds whether one or more of the following violations is occurring;

    the vehicle is being operated in an unsafe manner, the driver of the vehicle is engaging in unsafe behavior, or vehicle equipment is failing to be properly utilized or is being improperly utilized;

    one or more processors determining an impact for one or more determined violations on an insurance rating for the driver or an entity associated with driver, the one or more processors comprising either the same one or more processors of the on-board vehicle monitoring system, or one or more processors different from the on-board vehicle processors;

    a warning device installed in the vehicle that provides in real-time a discernible warning to the driver of the vehicle of how a determined violation is impacting the insurance rating;

    at the on-board vehicle monitoring system, in response to a warning provided by the on-board vehicle monitoring system, observing by the driver that the warning is inconsistent with actual driving conditions and then activating in response to a single driver input a real-time error indication that a warning issued by the vehicle monitoring system to the driver of the vehicle is an error based on the vehicle driver'"'"'s observation of the actual traffic conditions or vehicle operation; and

    so that the most current parameters are used to evaluate drivers, in response to said activation by the driver of said error indication, the vehicle monitoring system performing the following;

    storing in system memory the data for the error indication, including identification of the driver, a particular street location, the date and time the vehicle was traveling on the particular street, and vehicle operation; and

    sending to a central server or database said data for the error indication in order to enable evaluation of the driver using the most current parameters.

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