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Method for determining hazard detection proficiency and rating insurance products based on proficiency

  • US 9,384,674 B2
  • Filed: 08/03/2013
  • Issued: 07/05/2016
  • Est. Priority Date: 03/06/2012
  • Status: Active Grant
First Claim
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1. A method for determining vehicle driver hazard detection proficiency and determining an insurance premium or discount, the method comprising:

  • receiving, via the internet, at an internet-connected device, a plurality of driving modules corresponding to a plurality of different driving environments;

    visually presenting to a driver, via a display device of the internet-connected device, the plurality of driving modules corresponding to the plurality of different driving environments, wherein each driving module defines (a) at least one hazard, (b) first viewing locations relating to hazards that are currently displayed by the display device, and (c) second viewing locations relating to possible hazards that are not currently displayed by the display device;

    for each of the plurality of driving modules corresponding to a plurality of different driving environments;

    detecting driver viewing locations within the visual presentation, the driver viewing locations corresponding to locations within the visual presentation that are viewed by the driver to detect hazards or possible hazards during the visual presentation, wherein detecting the driver viewing locations comprisesdynamically detecting a viewing location of the driver by an interface device of the internet connected device selected from;

    a mouse, a pointing device to click on the display device, and a touchscreen on the display device;

    determining, by the processor of the internet-connected device or by a processor of another device connected to the internet-connected device via the internet, a hazard detection proficiency of the driver by;

    comparing the detected driver viewing locations with one or more of the first viewing locations for that driving module relating to hazards that are currently displayed by the display device, and one or more second viewing locations for that driving module relating to possible hazards that are not currently displayed by the display device;

    determining the hazard detection proficiency of the driver for that driving module by evaluating the comparison of the detected driver viewing locations with one or more of the first and one or more of the second viewing locations; and

    calculating an insurance premium or discount based at least in part on the hazard detection proficiency determined for the driver for each of the plurality of driving modules corresponding to the plurality of different driving environments.

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