Autonomous vehicle technology effectiveness determination for insurance pricing

  • US 9,858,621 B1
  • Filed: 05/15/2015
  • Issued: 01/02/2018
  • 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 for controlling a vehicle to avoid or mitigate vehicle accidents, the method comprising:

  • receiving, at one or more processors, information regarding the autonomous or semi-autonomous vehicle technology of the vehicle;

    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;

    determining, by one or more processors, test data regarding the test results, including an indication of reliability of the autonomous or semi-autonomous vehicle technology based at least in part upon compatibility of a version of or an update to computer-readable instructions involved in implementation of part or all of the autonomous or semi-autonomous vehicle technology with one or more versions of the at least one additional autonomous or semi-autonomous vehicle technologies tested;

    determining, by one or more processors, an effectiveness metric indicative of effectiveness of the autonomous or semi-autonomous vehicle technology in avoiding or mitigating vehicle accidents under a plurality of environmental conditions based at least in part upon the received information and the test data, wherein the effectiveness metric is associated with the version of or the update to the computer-readable instructions involved in the implementation of part or all of the autonomous or semi-autonomous vehicle technology;

    determining, by one or more processors, part or all of an insurance policy associated with the vehicle based at least in part upon the effectiveness metric associated with the autonomous or semi-autonomous vehicle technology of the vehicle;

    causing, by one or more processors, all or a portion of the determined insurance policy to be presented to a customer, via a display of a computing device associated with the customer, for at least one of review, approval, or modification by the customer;

    receiving, by one or more processors, a response from the customer indicating at least one of approval or modification of the presented insurance policy; and

    updating, by one or more processors, the determined insurance policy associated with the vehicle based at least in part upon the response received from the customer.

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