Systems and methods for generating vehicle insurance policy data based on empirical vehicle related data

  • US 9,865,020 B1
  • Filed: 08/10/2017
  • Issued: 01/09/2018
  • Est. Priority Date: 03/10/2013
  • Status: Active Grant
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First Claim
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1. A computer implemented method for automatically generating insurance policy related data, the method comprising:

  • identifying, by the one or more processors associated with a server, a vehicle operator using vehicle operator identity data that is based partially upon vehicle sensor data, the vehicle operator identity data identifying one or more physical aspects of the vehicle operator and including an image of the vehicle operator;

    changing, by one more processors associated with a vehicle module installed in a vehicle;

    a state of the vehicle to (i) prevent the vehicle operator from operating the vehicle when the determined identity of the vehicle operator does not match a vehicle operator who is insured to operate the vehicle, or (ii) allow the vehicle operator to operate the vehicle when the determined identity of the vehicle operator matches a vehicle operator who is insured to operate the vehicle;

    receiving, by the one or more processors associated with the server, vehicle operation data that is based partially upon the vehicle sensor data and is representative of operation of the vehicle by the vehicle operator who is allowed to operate the vehicle; and

    calculating, by the one or more processors associated with the server, comprehensive vehicle insurance policy related data based upon a correlation between the vehicle operation data, the vehicle operator identity data, and the vehicle operator such that the comprehensive vehicle insurance policy related data indicates (i) driving habits of the vehicle operator who is allowed to operate the vehicle, and (ii) a proportion of driving time in which the vehicle operator was accompanied by one or more passengers when driving the vehicle.

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