Assessing risk using vehicle environment information

  • US 9,262,787 B2
  • Filed: 10/18/2013
  • Issued: 02/16/2016
  • Est. Priority Date: 10/18/2013
  • Status: Active Grant
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1. A method of determining an insurance rating for an insurance policy associated with a first vehicle, the method comprising:

  • collecting, by a first sensor, first vehicle sensor data,wherein the first sensor is located on or in the first vehicle, andwherein the first sensor is configured to sense an environment external to the first vehicle;

    receiving, at a communication interface of the first vehicle, second vehicle sensor data,wherein the second vehicle sensor data is received from a second vehicle via one or more wireless signals, andwherein the second vehicle sensor data is collected by a second sensor that is (i) located on or in the second vehicle and (ii) configured to sense an environment external to the second vehicle; and

    receiving, at an electronic processing system comprising a memory and one or more processors, the first vehicle sensor data and the second vehicle sensor data;

    storing (i) the first vehicle sensor data, and (ii) the second vehicle sensor data, in the memory;

    determining a set of one or more characteristics of the environment external to the first vehicle by processing, via the one or more processors, (i) the stored first vehicle sensor data, and (ii) the stored second vehicle sensor data;

    determining, via the one or more processors and based on the set of one or more characteristics, a risk indicator; and

    determining, via the one or more processors and based on the risk indicator, the insurance rating for the insurance policy associated with the first vehicle.

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