Autonomous vehicle insurance pricing and offering based upon accident risk

  • US 9,715,711 B1
  • Filed: 05/15/2015
  • Issued: 07/25/2017
  • Est. Priority Date: 05/20/2014
  • Status: Active Grant
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First Claim
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1. A computer-implemented method of evaluating effectiveness of an autonomous or semi-autonomous vehicle technology, the method comprising:

  • generating, by one or more computing systems configured to evaluate the autonomous or semi-autonomous vehicle technology operating within a virtual test environment configured to simultaneously test at least one additional autonomous or semi-autonomous vehicle technologies, test results for the autonomous or semi-autonomous vehicle technology, wherein the computing systems generate the test results as hardware or software responses of the autonomous or semi-autonomous vehicle technology to virtual test sensor data that simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment;

    receiving, at one or more processors, information regarding the test results;

    determining, by one or more processors, an indication of reliability of the autonomous or semi-autonomous vehicle technology based upon the test results, including compatibility of the autonomous or semi-autonomous vehicle technology with the at least one additional autonomous or semi-autonomous vehicle technologies tested;

    determining, by one or more processors, an accident risk factor based upon the received information regarding the test results and the indication of reliability by analyzing an effect on a risk associated with a potential vehicle accident of the autonomous or semi-autonomous vehicle technology, wherein the accident risk factor is determined based upon an ability of a version of artificial intelligence of the autonomous or semi-autonomous vehicle technology to avoid collisions without human interaction;

    determining, by one or more processors, one or more vehicle insurance policy premiums for one or more vehicles based at least in part upon the determined accident risk factor; and

    causing, by one or more processors, information regarding the one or more vehicle insurance policies to be presented to one or more customers for review.

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