U.S. patent application number 14/934381 was filed with the patent office on 2020-07-09 for personal insurance policies.
The applicant listed for this patent is STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY. Invention is credited to Shawn C. Bennett, Todd Binion, Ronny S. Bryant, Aaron Scott Chan, Steven C. Cielocha, Carol Marie Csanda, Brian Mark Fields, Stacey Gorsuch, Chien Che Huang, Stephen Kohaus, Craig M. Main, Richard A. Novak, Terry Quakenbush, Mohamed A. Wazeer, Torri Wollenschlager, Weixin Wu.
Application Number | 20200219197 14/934381 |
Document ID | / |
Family ID | 61872545 |
Filed Date | 2020-07-09 |
View All Diagrams
United States Patent
Application |
20200219197 |
Kind Code |
A1 |
Fields; Brian Mark ; et
al. |
July 9, 2020 |
PERSONAL INSURANCE POLICIES
Abstract
Methods and systems for monitoring use, determining risk, and
pricing insurance policies are provided. In one aspect, a
computer-implemented method for generating or adjusting an
insurance policy is provided. With an insurance customer's
permission, data regarding several factors associated with the
customer may be received via wireless communication from their
mobile device, vehicle controller, or smart home controller. The
data may be related to (i) the customer's home, (ii) an autonomous
or semi-autonomous vehicle, and/or (iii) home and vehicle features,
maintenance history, and/or repairs performed to each over time.
Risk levels may be determined using the data received. Aspects of
one or more insurance policies (auto, home, life, etc.) may be
adjusted based upon the risk levels. An updated insurance discount
may be transmitted to the customer's mobile device via wireless
communication for their review and approval. As a result, insurance
discounts may be provided to risk averse insurance customers.
Inventors: |
Fields; Brian Mark; (Normal,
IL) ; Huang; Chien Che; (Normal, IL) ; Wazeer;
Mohamed A.; (Normal, IL) ; Bennett; Shawn C.;
(Le Roy, IL) ; Cielocha; Steven C.; (Bloomington,
IL) ; Bryant; Ronny S.; (Bloomington, IL) ;
Kohaus; Stephen; (Normal, IL) ; Quakenbush;
Terry; (Normal, IL) ; Novak; Richard A.;
(Bloomington, IL) ; Chan; Aaron Scott; (Lisle,
IL) ; Main; Craig M.; (Hagerstown, MD) ; Wu;
Weixin; (Aurora, IL) ; Wollenschlager; Torri;
(Bloomington, IL) ; Csanda; Carol Marie; (Normal,
IL) ; Gorsuch; Stacey; (Bloomington, IL) ;
Binion; Todd; (Bloomington, IL) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY |
Bloomington |
IL |
US |
|
|
Family ID: |
61872545 |
Appl. No.: |
14/934381 |
Filed: |
November 6, 2015 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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62103914 |
Jan 15, 2015 |
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62103911 |
Jan 15, 2015 |
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62103907 |
Jan 15, 2015 |
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62103895 |
Jan 15, 2015 |
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62103893 |
Jan 15, 2015 |
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62103891 |
Jan 15, 2015 |
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62103856 |
Jan 15, 2015 |
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62103855 |
Jan 15, 2015 |
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62103840 |
Jan 15, 2015 |
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62103838 |
Jan 15, 2015 |
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62103836 |
Jan 15, 2015 |
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62103831 |
Jan 15, 2015 |
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62079533 |
Nov 13, 2014 |
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
A61B 5/4064 20130101;
B60W 30/0956 20130101; G05D 1/0061 20130101; A61B 5/7282 20130101;
B60W 30/06 20130101; A61B 5/02028 20130101; G05D 1/0278 20130101;
B60W 2540/26 20130101; B60W 50/02 20130101; G08B 25/10 20130101;
B60W 2040/0818 20130101; B60W 2540/043 20200201; G06F 8/65
20130101; B60W 2050/143 20130101; B60W 2540/22 20130101; B60W
2900/00 20130101; B60W 50/045 20130101; G01C 21/3407 20130101; A61B
5/6893 20130101; B60W 40/09 20130101; G07C 5/0808 20130101; B60W
2050/0215 20130101; B60W 30/09 20130101; B60W 2050/046 20130101;
G06Q 40/08 20130101; B60W 50/0205 20130101; B60W 2050/0073
20130101; G05D 1/0055 20130101; B60W 50/14 20130101; B60W 2040/0809
20130101; A61B 5/4094 20130101; B60W 50/12 20130101; G06Q 30/0207
20130101; B60W 40/08 20130101; B60W 2050/0071 20130101; G06Q
30/0217 20130101; B60W 2050/0077 20130101; B60W 10/04 20130101;
G05D 1/0088 20130101; G07C 5/02 20130101; B62D 15/0285
20130101 |
International
Class: |
G06Q 40/08 20060101
G06Q040/08 |
Claims
1-20. (canceled)
21. A computer-implemented method of generating or adjusting a
personal automobile insurance policy, the method comprising:
receiving data, by one or more processors at a remote insurance
provider server, related to home upgrades for an insured smart home
of an insured from a smart home controller associated with the
insured home; receiving data, by the one or more processors,
related to past vehicle maintenance for a first vehicle previously
owned by the insured from a first smart vehicle controller
associated with the vehicle previously owned; receiving data, by
the one or more processors, related to driving behavior of the
insured from a second smart vehicle controller associated with a
second vehicle; receiving data, by the one or more processors,
related to autonomous or semi-autonomous vehicle functionality
usage by the insured from a third smart vehicle controller which
controls the autonomous or semi-autonomous vehicle functionality in
response to sensor data from one or more vehicle mounted sensors
configured to indicate operating parameters relating to the
autonomous or semi-autonomous vehicle functionality; generating or
adjusting, by the one or more processors, a vehicle insurance
policy based upon (1) the home upgrades for the insured home
performed by the insured; (2) the past vehicle maintenance for the
vehicle previously owned by the insured; (3) the driving behavior
of the insured; and (4) the autonomous or semi-autonomous vehicle
functionality usage by the insured to facilitate providing
insurance-related cost savings to the insured: and presenting the
vehicle insurance policy to the insured for review.
22. The computer-implemented method of claim 21, wherein the data
related to the home upgrades for the insured home is generated or
collected by a local smart home controller.
23. The computer-implemented method of claim 21, wherein the data
related to the past vehicle maintenance for the previously owned
vehicle by the insured is generated or collected by the first smart
vehicle controller.
24. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: automatic or
semi-automatic steering; or automatic or semi-automatic
acceleration or braking.
25. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: automatic or
semi-automatic blind spot monitoring; or automatic or
semi-automatic collision warning.
26. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: adaptive cruise
control; or automatic or semi-automatic parking assistance.
27. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: driver alertness or
responsive monitoring.
28. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: pedestrian
detection.
29. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: artificial
intelligence.
30. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: anti-hacking
measures.
31. The computer-implemented method of claim 21, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: theft prevention
systems.
32. The computer-implemented method of claim 21, wherein generating
or adjusting, by the one or more processors, the insurance policy
includes at least one of changing a premium, a discount rate, a
cost, a coverage level, a deductible level, a coverage type, or a
rate of the insurance policy.
33. A computer-implemented method of generating or adjusting a
personal automobile insurance policy, the method comprising:
receiving data, by one or more processors at a remote insurance
provider server, from a local smart home controller, the data
related to home upgrades for an insured home of an insured;
receiving data, by the one or more processors, from a first smart
vehicle controller, the data related to past vehicle maintenance
for one or more vehicles previously owned by the insured; receiving
data, by the one or more processors, from a second smart vehicle
controller, the data related to driving behavior of the insured;
receiving data, by the one or more processors, from a third smart
vehicle controller, the data related to autonomous or
semi-autonomous vehicle functionality usage by the insured and the
third controller being configured to control autonomous or
semi-autonomous vehicle functionality in response to sensor data
from one or more vehicle mounted sensors configured to indicate
operating parameters relating to the autonomous or semi-autonomous
vehicle functionality; receiving data, by the one or more
processors, related to at least one of a lifestyle characteristic
of the insured, a risky behavior of the insured, or a risk adverse
behavior of the insured; generating or adjusting, by the one or
more processors, an insurance policy based upon (1) the home
upgrades for the insured home performed by the insured; (2) the
past vehicle maintenance for the vehicle previously owned by the
insured; (3) the driving behavior of the insured; (4) the
autonomous or semi-autonomous vehicle functionality usage by the
insured; and (5) the at least one of the lifestyle characteristic
of the insured, the risky behavior of the insured, or the risk
adverse behavior, of the insured to facilitate providing
insurance-related cost savings to the insured or to customers that
are generally risk adverse; and presenting the vehicle insurance
policy to the insured for review.
34. The computer-implemented method of claim 33, wherein the data
related to the home upgrades for the insured home is generated or
collected by the local smart home controller.
35. The computer-implemented method of claim 33, wherein the data
related to the past vehicle maintenance for the previously owned
vehicle by the insured is generated or collected by the first smart
vehicle controller.
36. The computer-implemented method of claim 33, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: automatic or
semi-automatic blind spot monitoring; or automatic or
semi-automatic collision warning.
37. The computer-implemented method of claim 33, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: driver alertness or
responsive monitoring.
38. The computer-implemented method of claim 33, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: artificial
intelligence.
39. The computer-implemented method of claim 33, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: anti-hacking
measures.
40. The computer-implemented method of claim 33, wherein the data
related to autonomous or semi-autonomous vehicle functionality
usage is generated or collected by the second smart vehicle
controller, and wherein the autonomous or semi-autonomous vehicle
functionality usage includes or is related to: theft prevention
systems.
Description
CROSS-REFERENCE TO RELATED APPLICATIONS
[0001] This application claims the benefit of U.S. Provisional
Application No. 62/079,533 (filed Nov. 13, 2014); U.S. Provisional
Application No. 62/103,831 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,836 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,838 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,840 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,855 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,856 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,891 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,893 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,895 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,907 (filed Jan. 15, 2015); U.S. Provisional
Application No. 62/103,911 (filed Jan. 15, 2015); and U.S.
Provisional Application No. 62/103,914 (filed Jan. 15, 2015). The
entirety of each of the foregoing provisional applications is
incorporated by reference herein.
[0002] Additionally, the present application is related to
co-pending U.S. patent application Ser. No. 14/934,326 (filed Nov.
6, 2015); co-pending U.S. patent application Ser. No. 14/934,333
(filed Nov. 6, 2015); co-pending U.S. patent application Ser. No.
14/931,339 (filed Nov. 6, 2015); co-pending U.S. patent application
Ser. No. 14/934,343 (filed Nov. 6, 2015); co-pending U.S. patent
application Ser. No. 14/934,345 (filed Nov. 6, 2015); co-pending
U.S. patent application Ser. No. 14/934,347 (filed Nov. 6, 2015);
co-pending U.S. patent application Ser. No. 14/934,352 (filed Nov.
6, 2015); co-pending U.S. patent application Ser. No. 14/934,355
(filed Nov. 6, 2015); co-pending U.S. patent application Ser. No.
14/934,357 (filed Nov. 6, 2015); co-pending U.S. patent application
Ser. No. 14/934,361 (filed Nov. 6, 2015); co-pending U.S. patent
application Ser. No. 14/934,371 (filed Nov. 6, 2015); co-pending
U.S. patent application Ser. No. 14/934,385 (filed Nov. 6, 2015);
co-pending U.S. patent application Ser. No. 14/934,388 (filed Nov.
6, 2015); co-pending U.S. patent application Ser. No. 14/934,393
(filed Nov. 6, 2015); co-pending U.S. patent application Ser. No.
14/934,400 (filed Nov. 6, 2015); and co-pending U.S. patent
application Ser. No. 14/934,405 (filed Nov. 6, 2015).
FIELD
[0003] The present disclosure generally relates to systems and
methods for operating, monitoring, assessing, or insuring
autonomous or semi-autonomous vehicles.
BACKGROUND
[0004] Vehicles are typically operated by a human vehicle operator
who controls both steering and motive controls. Operator error,
inattention, inexperience, misuse, or distraction leads to many
vehicle accidents each year, resulting in injury and damage.
Autonomous or semi-autonomous vehicles augment vehicle operators'
information or replace vehicle operators' control commands to
operate the vehicle in whole or part with computer systems based
upon information from sensors within the vehicle.
[0005] Vehicle or automobile insurance exists to provide financial
protection against physical damage and/or bodily injury resulting
from traffic accidents and against liability that could arise
therefrom. Typically, a customer purchases a vehicle insurance
policy for a policy rate having a specified term. In exchange for
payments from the insured customer, the insurer pays for damages to
the insured which are caused by covered perils, acts, or events as
specified by the language of the insurance policy. The payments
from the insured are generally referred to as "premiums," and
typically are paid on behalf of the insured over time at periodic
intervals. An insurance policy may remain "in-force" while premium
payments are made during the term or length of coverage of the
policy as indicated in the policy. An insurance policy may "lapse"
(or have a status or state of "lapsed"), for example, when premium
payments are not being paid or if the insured or the insurer
cancels the policy.
[0006] Premiums may be typically determined based upon a selected
level of insurance coverage, location of vehicle operation, vehicle
model, and characteristics or demographics of the vehicle operator.
The characteristics of a vehicle operator that affect premiums may
include age, years operating vehicles of the same class, prior
incidents involving vehicle operation, and losses reported by the
vehicle operator to the insurer or a previous insurer. Past and
current premium determination methods do not, however, account for
use of autonomous vehicle operating features. The present
embodiments may, inter alia, alleviate this and/or other drawbacks
associated with conventional techniques.
BRIEF SUMMARY
[0007] The present embodiments may be related to autonomous or
semi-autonomous vehicle functionality, including driverless
operation, accident avoidance, or collision warning systems. These
autonomous vehicle operation features may either assist the vehicle
operator to more safely or efficiently operate a vehicle or may
take full control of vehicle operation under some or all
circumstances. The present embodiments may also facilitate risk
assessment and premium determination for vehicle insurance policies
covering vehicles with autonomous operation features. For instance,
a consumer may opt-in to a rewards program that rewards them, such
as in the form of insurance discounts, for affirmatively sharing
data related to their vehicles and/or autonomous features, and/or
home, with an insurance provider.
[0008] In accordance with the described embodiments, the disclosure
herein generally addresses systems and methods for generating or
adjusting an insurance policy associated with an insurance
customer. One or more computers may (1) receive data regarding a
plurality of factors associated with the insurance customer; (2)
determine one or more risk levels associated with the insurance
customer based upon the received data regarding the plurality of
factors; (3) determine one or more aspects of the insurance policy
based upon the one or more risk levels; and/or (4) cause the
insurance policy to be implemented. In some embodiments, the one or
more computers may further (5) cause at least a portion of the
insurance policy to be presented to the insurance customer for
review and/or (6) receive an indication of acceptance of the
insurance policy. One or more of the determined aspects of the
insurance policy may be a cost associated with the insurance
policy. The insurance policy may include life insurance, automobile
insurance, home insurance, renters insurance, health insurance,
liability insurance, and/or disability insurance. Implementation of
the insurance policy may include causing one or more of the
following to occur based upon the determined one or more aspects of
the insurance policy: an adjustment to one or more terms of the
insurance policy, an electronic transfer of funds as full or
partial payment for the insurance policy from the insurance
customer, and/or an electronic transfer of funds as a full or
partial refund for the insurance policy to the insurance
customer.
[0009] The factors may be related to (i) a home associated with the
insurance customer, and/or (ii) an autonomous or semi-autonomous
vehicle associated with the insurance customer. In some
embodiments, the factors associated with the insurance customer may
further include factors related to one or more lifestyle
characteristics associated with the insurance customer and/or
another person associated with the insurance policy. Such one or
more lifestyle characteristics may include indications of one or
more behaviors indicating a risk-tolerance level of the insurance
customer and/or the other person associated with the insurance
policy. Additionally, the one or more lifestyle characteristics may
include indications of one or more behaviors correlated with longer
life expectancy.
[0010] In further embodiments, the factors related to the
autonomous or semi-autonomous vehicle associated with the insurance
customer may include factors related to maintenance of the
autonomous or semi-autonomous vehicle, a vehicle operator profile
associated with a vehicle operator of the autonomous or
semi-autonomous vehicle, driving behavior of the insurance customer
monitored by the autonomous or semi-autonomous vehicle, and/or
usage levels of one or more autonomous operation features of the
autonomous or semi-autonomous vehicle. The one or more autonomous
operation features of the autonomous or semi-autonomous vehicle may
be related to the following: steering, accelerating, braking,
monitoring blind spots, presenting a collision warning, adaptive
cruise control, parking, driver alertness monitoring, driver
responsiveness monitoring, pedestrian detection, artificial
intelligence, a back-up system, a navigation system, a positioning
system, a security system, an anti-hacking measure, a theft
prevention system, and/or remote vehicle location determination.
Data regarding one or more of the plurality of factors may be
received from a smart home controller, an on-board computer of an
autonomous or semi-autonomous vehicle, and/or a remote insurance
provider server.
[0011] In each of the embodiments or aspects described above, the
methods may be provided in corresponding computer systems including
at least one or more processors and a non-transitory program memory
coupled to the one or more processors and storing executable
instructions. The computer systems may further include or be
communicatively connected to one or more sensors, communication
components or devices, or other equipment as described herein. In
yet another aspect, a tangible, non-transitory computer-readable
medium storing instructions corresponding to each of the
embodiments or aspects described above may be provided. Each of the
methods or executable instructions of the computer systems or
computer-readable media may include additional, fewer, or alternate
actions, including those discussed elsewhere herein.
BRIEF DESCRIPTION OF THE DRAWINGS
[0012] Advantages will become more apparent to those skilled in the
art from the following description of the preferred embodiments
which have been shown and described by way of illustration. As will
be realized, the present embodiments may be capable of other and
different embodiments, and their details are capable of
modification in various respects. Accordingly, the drawings and
description are to be regarded as illustrative in nature and not as
restrictive.
[0013] The figures described below depict various aspects of the
applications, methods, and systems disclosed herein. It should be
understood that each figure depicts an embodiment of a particular
aspect of the disclosed applications, systems and methods, and that
each of the figures is intended to accord with a possible
embodiment thereof. Furthermore, wherever possible, the following
description refers to the reference numerals included in the
following figures, in which features depicted in multiple figures
are designated with consistent reference numerals.
[0014] FIG. 1 illustrates a block diagram of an exemplary computer
network, a computer server, a mobile device, and an on-board
computer for implementing autonomous vehicle operation, monitoring,
evaluation, and insurance processes in accordance with the
described embodiments;
[0015] FIG. 2 illustrates a block diagram of an exemplary on-board
computer or mobile device;
[0016] FIG. 3 illustrates a flow diagram of an exemplary autonomous
vehicle operation method in accordance with the presently described
embodiments;
[0017] FIG. 4 illustrates a flow diagram of an exemplary monitoring
method during vehicle operation in accordance with the presently
described embodiments;
[0018] FIG. 5 illustrates a flow diagram of an exemplary operating
status assessment method in accordance with the presently described
embodiments;
[0019] FIG. 6 illustrates a flow diagram of an exemplary operating
status monitoring method in accordance with the presently described
embodiments;
[0020] FIGS. 7A-B illustrate flow diagrams depicting exemplary
vehicle operation hand-off methods in accordance with the presently
described embodiments;
[0021] FIG. 8 illustrates a flow diagram depicting an exemplary
vehicle operator identification method in accordance with the
presently described embodiments;
[0022] FIG. 9 illustrates a flow diagram depicting an exemplary
vehicle operator use monitoring and evaluation method in accordance
with the presently described embodiments;
[0023] FIG. 10 illustrates a flow diagram depicting an exemplary
cost comparison method in accordance with the presently described
embodiments; and
[0024] FIG. 11 illustrates a flow diagram depicting an exemplary
autonomous operation feature update method in accordance with the
presently described embodiments;
[0025] FIG. 12 illustrates a flow diagram depicting an exemplary
autonomous vehicle repair method in accordance with the presently
described embodiments; and
[0026] FIG. 13 illustrates a flow diagram depicting an exemplary
infrastructure communication method in accordance with the
presently described embodiments.
DETAILED DESCRIPTION
[0027] The systems and methods disclosed herein generally relate to
evaluating, monitoring, and managing risks related to the operation
of autonomous or semi-autonomous vehicles having autonomous (or
semi-autonomous) operation features. The systems and methods
further relate to pricing and processing vehicle insurance policies
for autonomous or semi-autonomous vehicles. The autonomous
operation features may take full control of the vehicle under
certain conditions, viz. fully autonomous operation, or the
autonomous operation features may assist the vehicle operator in
operating the vehicle, viz. partially autonomous operation. Fully
autonomous operation features may include systems within the
vehicle that pilot the vehicle to a destination with or without a
vehicle operator present (e.g., an operating system for a
driverless car). Partially autonomous operation features may assist
the vehicle operator in limited ways (e.g., automatic braking or
collision avoidance systems).
[0028] The type and quality of the autonomous operation features
may affect the risks related to operating a vehicle, both
individually and/or in combination. In addition, configurations and
settings of the autonomous operation features may further impact
the risks. To account for the effects on such risks, some
embodiments evaluate the quality of each autonomous operation
feature and/or combination of features. Additional embodiments
evaluate the risks associated with the vehicle operator interacting
with the autonomous operation features. Further embodiments address
the relative risks associated with control of some aspects of
vehicle control by the autonomous operation features or by the
vehicle operator. Still further embodiments address use of
information received or generated by the autonomous operation
features to manage risk and/or damage.
[0029] Some autonomous operation features may be adapted for use
under particular conditions, such as city driving or highway
driving. Additionally, the vehicle operator may be able to
configure settings relating to the features or may enable or
disable the features individually or in groups. For example, the
vehicle operator may select a mode of operation for the autonomous
or semi-autonomous vehicle, which may adjust settings for one or
more autonomous operation features. Therefore, some embodiments
monitor use of the autonomous operation features, which may include
the settings or levels of feature use during vehicle operation, as
well as the selection of features or settings of the autonomous
operation features chosen by the vehicle operator.
[0030] Information obtained by monitoring feature usage may be used
to determine risk levels associated with vehicle operation, either
generally or in relation to a vehicle operator. In such situations,
total risk may be determined by a weighted combination of the risk
levels associated with operation while autonomous operation
features are enabled (with relevant settings) and the risk levels
associated with operation while autonomous operation features are
disabled. For fully autonomous vehicles, settings or configurations
relating to vehicle operation may be monitored and used in
determining vehicle operating risk.
[0031] In addition to use in controlling the vehicle, information
regarding the risks associated with vehicle operation with and
without the autonomous operation features may then be used to
determine risk categories or premiums for a vehicle insurance
policy covering a vehicle with autonomous operation features. Risk
category or price may be determined based upon factors relating to
the evaluated effectiveness of the autonomous vehicle features. The
risk or price determination may also include traditional factors,
such as location, vehicle type, and level of vehicle use. For fully
autonomous vehicles, factors relating to vehicle operators may be
excluded entirely. For partially autonomous vehicles, factors
relating to vehicle operators may be reduced in proportion to the
evaluated effectiveness and monitored usage levels of the
autonomous operation features. For vehicles with autonomous
communication features that obtain information from external
sources (e.g., other vehicles or infrastructure), the risk level
and/or price determination may also include an assessment of the
availability of external sources of information. Location and/or
timing of vehicle use may thus be monitored and/or weighted to
determine the risk associated with operation of the vehicle.
Autonomous Automobile Insurance
[0032] The present embodiments may relate to assessing and pricing
insurance based upon autonomous (or semi-autonomous) functionality
of a vehicle, utilization of the autonomous (or semi-autonomous)
functionality of the vehicle, and/or operation of the vehicle by a
human operator. In some embodiments, the vehicle operator may not
control the operations of the vehicle directly, in which case the
assessment, rating, and pricing of insurance may exclude
consideration of the vehicle operator. A smart vehicle may maneuver
itself without human intervention and/or include sensors,
processors, computer instructions, and/or other components that may
perform or direct certain actions conventionally performed by a
human operator.
[0033] An analysis of how artificial intelligence facilitates
avoiding accidents and/or mitigates the severity of accidents may
be used to build a database and/or model of risk assessment. After
which, automobile insurance risk and/or premiums (as well as
insurance discounts, rewards, and/or points) may be adjusted based
upon autonomous or semi-autonomous vehicle functionality, such as
by groups of autonomous or semi-autonomous functionality or
individual features. In one aspect, an evaluation may be performed
on how artificial intelligence, and the usage thereof, impacts
automobile accidents and/or automobile insurance claims.
[0034] The types of autonomous or semi-autonomous vehicle-related
functionality or technology that may be used with the present
embodiments to replace human driver actions may include and/or be
related to the following types of functionality: (a) fully
autonomous (driverless); (b) limited driver control; (c)
vehicle-to-vehicle (V2V) wireless communication; (d)
vehicle-to-infrastructure (and/or vice versa) wireless
communication; (e) automatic or semi-automatic steering; (f)
automatic or semi-automatic acceleration; (g) automatic or
semi-automatic braking; (h) automatic or semi-automatic blind spot
monitoring; (i) automatic or semi-automatic collision warning; (j)
adaptive cruise control; (k) automatic or semi-automatic
parking/parking assistance; (l) automatic or semi-automatic
collision preparation (windows roll up, seat adjusts upright,
brakes pre-charge, etc.); (m) driver acuity/alertness monitoring;
(n) pedestrian detection; (o) autonomous or semi-autonomous backup
systems; (p) road mapping systems; (q) software security and
anti-hacking measures; (r) theft prevention/automatic return; (s)
automatic or semi-automatic driving without occupants; and/or other
functionality. Additionally or alternatively, the autonomous or
semi-autonomous functionality or technology may include and/or may
be related to: (t) driver alertness or responsive monitoring; (u)
pedestrian detection; (v) artificial intelligence and/or back-up
systems; (w) navigation or GPS-related systems; (x) security and/or
anti-hacking measures; and/or (y) theft prevention systems.
[0035] The adjustments to automobile insurance rates or premiums
based upon the autonomous or semi-autonomous vehicle-related
functionality or technology may take into account the impact of
such functionality or technology on the likelihood of a vehicle
accident or collision occurring. For instance, a processor may
analyze historical accident information and/or test data involving
vehicles having autonomous or semi-autonomous functionality.
Factors that may be analyzed and/or accounted for that are related
to insurance risk, accident information, or test data may include
(1) point of impact; (2) type of road; (3) time of day; (4) weather
conditions; (5) road construction; (6) type/length of trip; (7)
vehicle style; (8) level of pedestrian traffic; (9) level of
vehicle congestion; (10) atypical situations (such as manual
traffic signaling); (11) availability of internet connection for
the vehicle; and/or other factors. These types of factors may also
be weighted according to historical accident information, predicted
accidents, vehicle trends, test data, and/or other
considerations.
[0036] In one aspect, the benefit of one or more autonomous or
semi-autonomous functionalities or capabilities may be determined,
weighted, and/or otherwise characterized. For instance, the benefit
of certain autonomous or semi-autonomous functionality may be
substantially greater in city or congested traffic, as compared to
open road or country driving traffic. Additionally or
alternatively, certain autonomous or semi-autonomous functionality
may only work effectively below a certain speed, e.g., during city
driving or driving in congestion. Other autonomous or
semi-autonomous functionality may operate more effectively on the
highway and away from city traffic, such as cruise control. Further
individual autonomous or semi-autonomous functionality may be
impacted by weather, such as rain or snow, and/or time of day (day
light versus night). As an example, fully automatic or
semi-automatic lane detection warnings may be impacted by rain,
snow, ice, and/or the amount of sunlight (all of which may impact
the imaging or visibility of lane markings painted onto a road
surface, and/or road markers or street signs).
[0037] Automobile insurance premiums, rates, discounts, rewards,
refunds, points, or other costs may be adjusted based upon the
percentage of time or vehicle usage that the vehicle is the driver,
i.e., the amount of time a specific driver uses each type of
autonomous (or even semi-autonomous) vehicle functionality. Such
premiums, rates, discounts, rewards, refunds, points, or other
costs may further be adjusted based upon the extent of use of the
autonomous operation features, including settings or modes
impacting the operation of the autonomous operation features.
Moreover, information regarding the vehicle environment during use
(e.g., weather, traffic, time of day, etc.) may be included in
insurance adjustment determinations, as may traditional information
regarding one or more vehicle operators (and the extent to which
each vehicle operator uses the vehicle).
[0038] Such usage information for a particular vehicle may be
gathered over time and/or via remote wireless communication with
the vehicle. One embodiment may involve a processor on the vehicle,
such as within a vehicle control system or dashboard, monitoring in
real-time the vehicle operator and/or the use of autonomous
operation features while the vehicle is operating. Other types of
monitoring may be remotely performed, such as via wireless
communication between the vehicle and a remote server, or wireless
communication between a vehicle-mounted dedicated device (that is
configured to gather autonomous or semi-autonomous functionality
usage information) and a remote server.
[0039] Additionally, in some embodiments, the vehicle may transmit
and/or receive communications to or from external sources, such as
other vehicles (V2V), infrastructure (e.g., a bridge, traffic
light, railroad crossing, toll both, marker, sign, or other
equipment along the side of a road or highway), pedestrians,
databases, or other information sources external to the vehicle.
Such communication may allow the vehicle to obtain information
regarding other vehicles, obstacles, road conditions, or
environmental conditions that could not be detected by sensors
disposed within the vehicle. For example, V2V communication may
allow a vehicle to identify other vehicles approaching an
intersection even when the direct line between the vehicle and the
other vehicles is obscured by buildings. As another example, the
V2V wireless communication from a first vehicle to a second vehicle
(following the first vehicle) may indicate that the first vehicle
is braking, which may include the degree to which the vehicle is
braking. In response, the second vehicle may automatically or
autonomously brake in advance of detecting the deceleration of the
first vehicle based upon sensor data.
[0040] Insurance premiums, rates, ratings, discounts, rewards,
special offers, points, programs, refunds, claims, claim amounts,
or other costs associated with an insurance policy may be adjusted
for, or may otherwise take into account, the foregoing
functionality and/or the other functionality described herein. For
instance, insurance policies may be updated based upon installed
autonomous operation features, the extent of use of the autonomous
operation features, V2V wireless communication, and/or
vehicle-to-infrastructure or infrastructure-to-vehicle wireless
communication. The present embodiments may assess and price
insurance risks at least in part based upon autonomous operation
features that replace some actions of the vehicle operator in
controlling the vehicle, including settings and operating status of
the autonomous operation features.
Exemplary Autonomous Vehicle Operation System
[0041] FIG. 1 illustrates a block diagram of an exemplary
autonomous vehicle insurance system 100 on which the exemplary
methods described herein may be implemented. The high-level
architecture includes both hardware and software applications, as
well as various data communications channels for communicating data
between the various hardware and software components. The
autonomous vehicle insurance system 100 may be roughly divided into
front-end components 102 and back-end components 104. The front-end
components 102 may obtain information regarding a vehicle 108
(e.g., a car, truck, motorcycle, etc.) and the surrounding
environment. An on-board computer 114 may utilize this information
to operate the vehicle 108 according to an autonomous operation
feature or to assist the vehicle operator in operating the vehicle
108. To monitor the vehicle 108, the front-end components 102 may
include one or more sensors 120 installed within the vehicle 108
that may communicate with the on-board computer 114. The front-end
components 102 may further process the sensor data using the
on-board computer 114 or a mobile device 110 (e.g., a smart phone,
a tablet computer, a special purpose computing device, etc.) to
determine when the vehicle is in operation and information
regarding the vehicle. In some embodiments of the system 100, the
front-end components 102 may communicate with the back-end
components 104 via a network 130. Either the on-board computer 114
or the mobile device 110 may communicate with the back-end
components 104 via the network 130 to allow the back-end components
104 to record information regarding vehicle usage. The back-end
components 104 may use one or more servers 140 to receive data from
the front-end components 102, determine use and effectiveness of
autonomous operation features, determine risk levels or premium
price, and/or facilitate purchase or renewal of an autonomous
vehicle insurance policy.
[0042] The front-end components 102 may be disposed within or
communicatively connected to one or more on-board computers 114,
which may be permanently or removably installed in the vehicle 108.
The on-board computer 114 may interface with the one or more
sensors 120 within the vehicle 108 (e.g., an ignition sensor, an
odometer, a system clock, a speedometer, a tachometer, an
accelerometer, a gyroscope, a compass, a geolocation unit, a
camera, a distance sensor, etc.), which sensors may also be
incorporated within or connected to the on-board computer 114. The
front-end components 102 may further include a communication
component 122 to transmit information to and receive information
from external sources, including other vehicles, infrastructure, or
the back-end components 104. In some embodiments, the mobile device
110 may supplement the functions performed by the on-board computer
114 described herein by, for example, sending or receiving
information to and from the mobile server 140 via the network 130.
In other embodiments, the on-board computer 114 may perform all of
the functions of the mobile device 110 described herein, in which
case no mobile device 110 may be present in the system 100. Either
or both of the mobile device 110 or on-board computer 114 may
communicate with the network 130 over links 112 and 118,
respectively. Additionally, the mobile device 110 and on-board
computer 114 may communicate with one another directly over link
116.
[0043] The mobile device 110 may be either a general-use personal
computer, cellular phone, smart phone, tablet computer, phablet,
wearable electronics, PDA (personal digital assistant), smart
glasses, smart watches, smart bracelet, pager, computing device
configured for wired or wireless RF (radio frequency)
communication, a dedicated vehicle use monitoring device, and/or
other mobile computing device. Although only one mobile device 110
is illustrated, it should be understood that a plurality of mobile
devices 110 may be used in some embodiments. The on-board computer
114 may be a general-use on-board computer capable of performing
many functions relating to vehicle operation or a dedicated
computer for autonomous vehicle operation. Further, the on-board
computer 114 may be installed by the manufacturer of the vehicle
108 or as an aftermarket modification or addition to the vehicle
108. In some embodiments or under certain conditions, the mobile
device 110 or on-board computer 114 may function as thin-client
devices that outsource some or most of the processing to the server
140.
[0044] The sensors 120 may be removably or fixedly installed within
the vehicle 108 and may be disposed in various arrangements to
provide information to the autonomous operation features. Among the
sensors 120 may be included one or more of a GPS (Global
Positioning System) unit, other satellite-based navigation unit, a
radar unit, a LIDAR (Light Detection and Ranging) unit, an
ultrasonic sensor, an infrared sensor, a camera, an accelerometer,
a tachometer, and/or a speedometer. Some of the sensors 120 (e.g.,
radar, LIDAR, or camera units) may actively or passively scan the
vehicle environment for obstacles (e.g., other vehicles, buildings,
pedestrians, etc.), lane markings, or signs or signals. Other
sensors 120 (e.g., GPS, accelerometer, or tachometer units) may
provide data for determining the location or movement of the
vehicle 108. Other sensors 120 may be directed to the interior or
passenger compartment of the vehicle 108, such as cameras,
microphones, pressure sensors, thermometers, or similar sensors to
monitor the vehicle operator and/or passengers within the vehicle
108. Information generated or received by the sensors 120 may be
communicated to the on-board computer 114 or the mobile device 110
for use in autonomous vehicle operation.
[0045] In some embodiments, the communication component 122 may
receive information from external sources, such as other vehicles
or infrastructure. The communication component 122 may also send
information regarding the vehicle 108 to external sources. To send
and receive information, the communication component 122 may
include a transmitter and a receiver designed to operate according
to predetermined specifications, such as the dedicated short-range
communication (DSRC) channel, wireless telephony, Wi-Fi, or other
existing or later-developed communications protocols. The received
information may supplement the data received from the sensors 120
to implement the autonomous operation features. For example, the
communication component 122 may receive information that an
autonomous vehicle ahead of the vehicle 108 is reducing speed,
allowing the adjustments in the autonomous operation of the vehicle
108.
[0046] In further embodiments, the front-end components may include
an infrastructure communication device 124 for monitoring the
status of one or more infrastructure components 126. The
infrastructure communication device 124 may include or be
communicatively connected to one or more sensors (not shown) for
detecting information relating to the condition of the
infrastructure component 126. The sensors (not shown) may generate
data relating to weather conditions, traffic conditions, or
operating status of the infrastructure component 126. The
infrastructure communication device 124 may be configured to
receive the sensor data generated and determine a condition of the
infrastructure component 126, such as weather conditions, road
integrity, construction, traffic, available parking spaces, etc.
The infrastructure communication device 124 may further be
configured to communicate information to vehicles 108 via the
communication component 122. In some embodiments, the
infrastructure communication device 124 may receive information
from the vehicles 108, while, in other embodiments, the
infrastructure communication device 124 may only transmit
information to the vehicles 108.
[0047] In addition to receiving information from the sensors 120,
the on-board computer 114 may directly or indirectly control the
operation of the vehicle 108 according to various autonomous
operation features. The autonomous operation features may include
software applications or routines implemented by the on-board
computer 114 to control the steering, braking, or throttle of the
vehicle 108. To facilitate such control, the on-board computer 114
may be communicatively connected to the controls or components of
the vehicle 108 by various electrical or electromechanical control
components (not shown). In embodiments involving fully autonomous
vehicles, the vehicle 108 may be operable only through such control
components (not shown). In other embodiments, the control
components may be disposed within or supplement other vehicle
operator control components (not shown), such as steering wheels,
accelerator or brake pedals, or ignition switches.
[0048] In some embodiments, the front-end components 102 may
communicate with the back-end components 104 via the network 130.
The network 130 may be a proprietary network, a secure public
internet, a virtual private network or some other type of network,
such as dedicated access lines, plain ordinary telephone lines,
satellite links, cellular data networks, combinations of these.
Where the network 130 comprises the Internet, data communications
may take place over the network 130 via an Internet communication
protocol.
[0049] The back-end components 104 may include one or more servers
140. Each server 140 may include one or more computer processors
adapted and configured to execute various software applications and
components of the autonomous vehicle insurance system 100, in
addition to other software applications. The server 140 may further
include a database 146, which may be adapted to store data related
to the operation of the vehicle 108 and its autonomous operation
features. Such data might include, for example, dates and times of
vehicle use, duration of vehicle use, use and settings of
autonomous operation features, speed of the vehicle 108, RPM or
other tachometer readings of the vehicle 108, lateral and
longitudinal acceleration of the vehicle 108, incidents or near
collisions of the vehicle 108, communication between the autonomous
operation features and external sources, environmental conditions
of vehicle operation (e.g., weather, traffic, road condition,
etc.), errors or failures of autonomous operation features, or
other data relating to use of the vehicle 108 and the autonomous
operation features, which may be uploaded to the server 140 via the
network 130. The server 140 may access data stored in the database
146 when executing various functions and tasks associated with the
evaluating feature effectiveness or assessing risk relating to an
autonomous vehicle.
[0050] Although the autonomous vehicle insurance system 100 is
shown to include one vehicle 108, one mobile device 110, one
on-board computer 114, and one server 140, it should be understood
that different numbers of vehicles 108, mobile devices 110,
on-board computers 114, and/or servers 140 may be utilized. For
example, the system 100 may include a plurality of servers 140 and
hundreds of mobile devices 110 or on-board computers 114, all of
which may be interconnected via the network 130. Furthermore, the
database storage or processing performed by the one or more servers
140 may be distributed among a plurality of servers 140 in an
arrangement known as "cloud computing." This configuration may
provide various advantages, such as enabling near real-time uploads
and downloads of information as well as periodic uploads and
downloads of information. This may in turn support a thin-client
embodiment of the mobile device 110 or on-board computer 114
discussed herein.
[0051] The server 140 may have a controller 155 that is operatively
connected to the database 146 via a link 156. It should be noted
that, while not shown, additional databases may be linked to the
controller 155 in a known manner. For example, separate databases
may be used for autonomous operation feature information, vehicle
insurance policy information, and vehicle use information. The
controller 155 may include a program memory 160, a processor 162
(which may be called a microcontroller or a microprocessor), a
random-access memory (RAM) 164, and an input/output (I/O) circuit
166, all of which may be interconnected via an address/data bus
165. It should be appreciated that although only one microprocessor
162 is shown, the controller 155 may include multiple
microprocessors 162. Similarly, the memory of the controller 155
may include multiple RAMs 164 and multiple program memories 160.
Although the I/O circuit 166 is shown as a single block, it should
be appreciated that the I/O circuit 166 may include a number of
different types of I/O circuits. The RAM 164 and program memories
160 may be implemented as semiconductor memories, magnetically
readable memories, or optically readable memories, for example. The
controller 155 may also be operatively connected to the network 130
via a link 135.
[0052] The server 140 may further include a number of software
applications stored in a program memory 160. The various software
applications on the server 140 may include an autonomous operation
information monitoring application 141 for receiving information
regarding the vehicle 108 and its autonomous operation features, a
feature evaluation application 142 for determining the
effectiveness of autonomous operation features under various
conditions, a compatibility evaluation application 143 for
determining the effectiveness of combinations of autonomous
operation features, a risk assessment application 144 for
determining a risk category associated with an insurance policy
covering an autonomous vehicle, and an autonomous vehicle insurance
policy purchase application 145 for offering and facilitating
purchase or renewal of an insurance policy covering an autonomous
vehicle. The various software applications may be executed on the
same computer processor or on different computer processors.
[0053] The various software applications may include various
software routines stored in the program memory 160 to implement
various modules using the process 162. Additionally, or
alternatively, the software applications or routines may interact
with various hardware modules that may be installed within or
connected to the server 140. Such modules may implement part of all
of the various exemplary methods discussed herein or other related
embodiments. Such modules may include a vehicle control module for
determining and implementing control decisions to operate the
vehicle 108, a system status module for determining the operating
status of autonomous operation features, a monitoring module for
monitoring the operation of the vehicle 108, a remediation module
for correcting abnormal operating states of autonomous operation
features, an insurance module for determining risks and costs
associated with operation of the vehicle 108, an alert module for
generating and presenting alerts regarding the vehicle 108 or the
vehicle operator, a risk assessment module for determining risks
associated with operation of the vehicle 108 by the autonomous
operation features or by the vehicle operator, an identification
module for identifying or verifying the identity of the vehicle
operator, an information module for obtaining information regarding
a vehicle operator or vehicle 108, a use cost module for
determining costs associated with operation of the vehicle 108, a
comparison module for comparing one or more costs associated with
owning or operating the vehicle 108, an update module for updating
an autonomous operation feature of the vehicle 108, or other
modules.
Exemplary Mobile Device or on-Board Computer
[0054] FIG. 2 illustrates a block diagram of an exemplary mobile
device 110 and/or an exemplary on-board computer 114 consistent
with the system 100. The mobile device 110 and/or on-board computer
114 may include a display 202, a GPS unit 206, a communication unit
220, an accelerometer 224, one or more additional sensors (not
shown), a user-input device (not shown), and/or, like the server
140, a controller 204. In some embodiments, the mobile device 110
and on-board computer 114 may be integrated into a single device,
or either may perform the functions of both. The on-board computer
114 (or mobile device 110) may interface with the sensors 120 to
receive information regarding the vehicle 108 and its environment,
which information may be used by the autonomous operation features
to operate the vehicle 108.
[0055] Similar to the controller 155, the controller 204 may
include a program memory 208, one or more microcontrollers or
microprocessors (MP) 210, a RAM 212, and an I/O circuit 216, all of
which are interconnected via an address/data bus 214. The program
memory 208 may include an operating system 226, a data storage 228,
a plurality of software applications 230, and/or a plurality of
software routines 240. The operating system 226, for example, may
include one of a plurality of general purpose or mobile platforms,
such as the Android.TM., iOS.RTM., or Windows.RTM. systems,
developed by Google Inc., Apple Inc., and Microsoft Corporation,
respectively. Alternatively, the operating system 226 may be a
custom operating system designed for autonomous vehicle operation
using the on-board computer 114. The data storage 228 may include
data such as user profiles and preferences, application data for
the plurality of applications 230, routine data for the plurality
of routines 240, and other data related to the autonomous operation
features. In some embodiments, the controller 204 may also include,
or otherwise be communicatively connected to, other data storage
mechanisms (e.g., one or more hard disk drives, optical storage
drives, solid state storage devices, etc.) that reside within the
vehicle 108.
[0056] As discussed with reference to the controller 155, it should
be appreciated that although FIG. 2 depicts only one microprocessor
210, the controller 204 may include multiple microprocessors 210.
Similarly, the memory of the controller 204 may include multiple
RAMs 212 and multiple program memories 208. Although FIG. 2 depicts
the I/O circuit 216 as a single block, the I/O circuit 216 may
include a number of different types of I/O circuits. The controller
204 may implement the RAMs 212 and the program memories 208 as
semiconductor memories, magnetically readable memories, or
optically readable memories, for example.
[0057] The one or more processors 210 may be adapted and configured
to execute any of one or more of the plurality of software
applications 230 or any one or more of the plurality of software
routines 240 residing in the program memory 204, in addition to
other software applications. One of the plurality of applications
230 may be an autonomous vehicle operation application 232 that may
be implemented as a series of machine-readable instructions for
performing the various tasks associated with implementing one or
more of the autonomous operation features according to the
autonomous vehicle operation method 300. Another of the plurality
of applications 230 may be an autonomous communication application
234 that may be implemented as a series of machine-readable
instructions for transmitting and receiving autonomous operation
information to or from external sources via the communication unit
220. Still another application of the plurality of applications 230
may include an autonomous operation monitoring application 236 that
may be implemented as a series of machine-readable instructions for
sending information regarding autonomous operation of the vehicle
to the server 140 via the network 130.
[0058] The plurality of software applications 230 may call various
of the plurality of software routines 240 to perform functions
relating to autonomous vehicle operation, monitoring, or
communication. In some embodiments, the plurality of software
routines may further assess risk levels or determine insurance
policy costs and adjustments. One of the plurality of software
routines 240 may be a configuration routine 242 to receive settings
from the vehicle operator to configure the operating parameters of
an autonomous operation feature. Another of the plurality of
software routines 240 may be a sensor control routine 244 to
transmit instructions to a sensor 120 and receive data from the
sensor 120. Still another of the plurality of software routines 240
may be an autonomous control routine 246 that performs a type of
autonomous control, such as collision avoidance, lane centering,
and/or speed control. In some embodiments, the autonomous vehicle
operation application 232 may cause a plurality of autonomous
control routines 246 to determine control actions required for
autonomous vehicle operation. Similarly, one of the plurality of
software routines 240 may be a monitoring and reporting routine 248
that monitors and transmits information regarding autonomous
vehicle operation to the server 140 via the network 130. Yet
another of the plurality of software routines 240 may be an
autonomous communication routine 250 for receiving and transmitting
information between the vehicle 108 and external sources to improve
the effectiveness of the autonomous operation features.
[0059] Any of the plurality of software routines 240 may be
designed to operate independently of the software applications 230
or in conjunction with the software applications 230 to implement
modules associated with the methods discussed herein using the
microprocessor 210 of the controller 204. Additionally, or
alternatively, the software applications 230 or software routines
240 may interact with various hardware modules that may be
installed within or connected to the mobile device 110 or the
on-board computer 114. Such modules may implement part of all of
the various exemplary methods discussed herein or other related
embodiments.
[0060] For instance, such modules may include a vehicle control
module for determining and implementing control decisions to
operate the vehicle 108, a system status module for determining the
operating status of autonomous operation features, a monitoring
module for monitoring the operation of the vehicle 108, a
remediation module for correcting abnormal operating states of
autonomous operation features, an insurance module for determining
risks and costs associated with operation of the vehicle 108, an
alert module for generating and presenting alerts regarding the
vehicle 108 or the vehicle operator, a risk assessment module for
determining risks associated with operation of the vehicle 108 by
the autonomous operation features or by the vehicle operator, an
identification module for identifying or verifying the identity of
the vehicle operator, an information module for obtaining
information regarding a vehicle operator or vehicle 108, a use cost
module for determining costs associated with operation of the
vehicle 108, a comparison module for comparing one or more costs
associated with owning or operating the vehicle 108, an update
module for updating an autonomous operation feature of the vehicle
108, and/or other modules.
[0061] When implementing the exemplary autonomous vehicle operation
method 300, the controller 204 of the on-board computer 114 may
implement a vehicle control module by the autonomous vehicle
operation application 232 to communicate with the sensors 120 to
receive information regarding the vehicle 108 and its environment
and process that information for autonomous operation of the
vehicle 108. In some embodiments, including external source
communication via the communication component 122 or the
communication unit 220, the controller 204 may further implement a
communication module based upon the autonomous communication
application 234 to receive information for external sources, such
as other autonomous vehicles, smart infrastructure (e.g.,
electronically communicating roadways, traffic signals, or parking
structures), or other sources of relevant information (e.g.,
weather, traffic, local amenities). Some external sources of
information may be connected to the controller 204 via the network
130, such as the server 140 or internet-connected third-party
databases (not shown). Although the autonomous vehicle operation
application 232 and the autonomous communication application 234
are shown as two separate applications, it should be understood
that the functions of the autonomous operation features may be
combined or separated into any number of the software applications
230 or the software routines 240.
[0062] In some embodiments, the controller 204 may further
implement a monitoring module by the autonomous operation
monitoring application 236 to communicate with the server 140 to
provide information regarding autonomous vehicle operation. This
may include information regarding settings or configurations of
autonomous operation features, data from the sensors 120 regarding
the vehicle environment, data from the sensors 120 regarding the
response of the vehicle 108 to its environment, communications sent
or received using the communication component 122 or the
communication unit 220, operating status of the autonomous vehicle
operation application 232 and the autonomous communication
application 234, and/or commands sent from the on-board computer
114 to the control components (not shown) to operate the vehicle
108. The information may be received and stored by the server 140
implementing the autonomous operation information monitoring
application 141, and the server 140 may then determine the
effectiveness of autonomous operation under various conditions by
implementing the feature evaluation application 142 and the
compatibility evaluation application 143. The effectiveness of
autonomous operation features and the extent of their use may be
further used to determine risk associated with operation of the
autonomous vehicle by the server 140 implementing a risk assessment
module or insurance module associated with the risk assessment
application 144.
[0063] In addition to connections to the sensors 120, the mobile
device 110 or the on-board computer 114 may include additional
sensors, such as the GPS unit 206 or the accelerometer 224, which
may provide information regarding the vehicle 108 for autonomous
operation and other purposes. Furthermore, the communication unit
220 may communicate with other autonomous vehicles, infrastructure,
or other external sources of information to transmit and receive
information relating to autonomous vehicle operation. The
communication unit 220 may communicate with the external sources
via the network 130 or via any suitable wireless communication
protocol network, such as wireless telephony (e.g., GSM, CDMA, LTE,
etc.), Wi-Fi (802.11 standards), WiMAX, Bluetooth, infrared or
radio frequency communication, etc. Furthermore, the communication
unit 220 may provide input signals to the controller 204 via the
I/O circuit 216. The communication unit 220 may also transmit
sensor data, device status information, control signals, and/or
other output from the controller 204 to one or more external
sensors within the vehicle 108, mobile devices 110, on-board
computers 114, and/or servers 140.
[0064] The mobile device 110 and/or the on-board computer 114 may
include a user-input device (not shown) for receiving instructions
or information from the vehicle operator, such as settings relating
to an autonomous operation feature. The user-input device (not
shown) may include a "soft" keyboard that is displayed on the
display 202, an external hardware keyboard communicating via a
wired or a wireless connection (e.g., a Bluetooth keyboard), an
external mouse, a microphone, or any other suitable user-input
device. The user-input device (not shown) may also include a
microphone capable of receiving user voice input.
Exemplary Autonomous Vehicle Operation Method
[0065] FIG. 3 illustrates a flow diagram of an exemplary autonomous
vehicle operation method 300, which may be implemented by the
autonomous vehicle insurance system 100. The method 300 may begin
at block 302 when the controller 204 receives a start signal. The
start signal may be a command from the vehicle operator through the
user-input device to enable or engage one or more autonomous
operation features of the vehicle 108. In some embodiments, the
vehicle operator 108 may further specify settings or configuration
details for the autonomous operation features. For fully autonomous
vehicles, the settings may relate to one or more destinations,
route preferences, fuel efficiency preferences, speed preferences,
and/or other configurable settings relating to the operation of the
vehicle 108. In some embodiments, fully autonomous vehicles may
include additional features or settings permitting them to operate
without passengers or vehicle operators within the vehicle. For
example, a fully autonomous vehicle may receive an instruction to
find a parking space within the general vicinity, which the vehicle
may do without the vehicle operator. The vehicle may then be
returned to a selected location by a request from the vehicle
operator via a mobile device 110 or otherwise. This feature may
further be adapted to return a fully autonomous vehicle if lost or
stolen.
[0066] For other autonomous vehicles, the settings may include
enabling or disabling particular autonomous operation features,
specifying thresholds for autonomous operation, specifying warnings
or other information to be presented to the vehicle operator,
specifying autonomous communication types to send or receive,
specifying conditions under which to enable or disable autonomous
operation features, and/or specifying other constraints on feature
operation. For example, a vehicle operator may set the maximum
speed for an adaptive cruise control feature with automatic lane
centering. In some embodiments, the settings may further include a
specification of whether the vehicle 108 should be operating as a
fully or partially autonomous vehicle. In embodiments where only
one autonomous operation feature is enabled, the start signal may
consist of a request to perform a particular task (e.g., autonomous
parking) and/or to enable a particular feature (e.g., autonomous
braking for collision avoidance). In other embodiments, the start
signal may be generated automatically by the controller 204 based
upon predetermined settings (e.g., when the vehicle 108 exceeds a
certain speed and/or is operating in low-light conditions). In some
embodiments, the controller 204 may generate a start signal when
communication from an external source is received (e.g., when the
vehicle 108 is on a smart highway or near another autonomous
vehicle).
[0067] After receiving the start signal at block 302, the
controller 204 may receive sensor data from the sensors 120 during
vehicle operation at block 304. In some embodiments, the controller
204 may also receive information from external sources through the
communication component 122 and/or the communication unit 220. The
sensor data may be stored in the RAM 212 for use by the autonomous
vehicle operation application 232. In some embodiments, the sensor
data may be recorded in the data storage 228 and/or transmitted to
the server 140 via the network 130. The sensor data may alternately
either be received by the controller 204 as raw data measurements
from one of the sensors 120 and/or may be preprocessed by the
sensor 120 prior to being received by the controller 204. For
example, a tachometer reading may be received as raw data and/or
may be preprocessed to indicate vehicle movement or position. As
another example, a sensor 120 comprising a radar and/or LIDAR unit
may include a processor to preprocess the measured signals and send
data representing detected objects in 3-dimensional space to the
controller 204.
[0068] The autonomous vehicle operation application 232, other
applications 230, and/or routines 240 may cause the controller 204
to process the received sensor data at block 306 in accordance with
the autonomous operation features. The controller 204 may process
the sensor data to determine whether an autonomous control action
is required and/or to determine adjustments to the controls of the
vehicle 108. For example, the controller 204 may receive sensor
data indicating a decreasing distance to a nearby object in the
vehicle's path and process the received sensor data to determine
whether to begin braking (and, if so, how abruptly to slow the
vehicle 108). As another example, the controller 204 may process
the sensor data to determine whether the vehicle 108 is remaining
with its intended path (e.g., within lanes on a roadway). If the
vehicle 108 is beginning to drift or slide (e.g., as on ice or
water), the controller 204 may determine appropriate adjustments to
the controls of the vehicle to maintain the desired bearing. If the
vehicle 108 is moving within the desired path, the controller 204
may nonetheless determine whether adjustments are required to
continue following the desired route (e.g., following a winding
road). Under some conditions, the controller 204 may determine to
maintain the controls based upon the sensor data (e.g., when
holding a steady speed on a straight road).
[0069] When the controller 204 determines an autonomous control
action is required at block 308, the controller 204 may cause the
control components of the vehicle 108 to adjust the operating
controls of the vehicle to achieve desired operation at block 310.
For example, the controller 204 may send a signal to open or close
the throttle of the vehicle 108 to achieve a desired speed.
Alternatively, the controller 204 may control the steering of the
vehicle 108 to adjust the direction of movement. In some
embodiments, the vehicle 108 may transmit a message or indication
of a change in velocity or position using the communication
component 122 and/or the communication unit 220, which signal may
be used by other autonomous vehicles to adjust their controls. As
discussed further below, the controller 204 may also log or
transmit the autonomous control actions to the server 140 via the
network 130 for analysis.
[0070] The controller 204 may continue to receive and process
sensor data at blocks 304 and 306 until an end signal is received
by the controller 204 at block 312. The end signal may be
automatically generated by the controller 204 upon the occurrence
of certain criteria (e.g., the destination is reached or
environmental conditions require manual operation of the vehicle
108 by the vehicle operator). Additionally, or alternatively, the
vehicle operator may pause, terminate, and/or disable the
autonomous operation feature or features using the user-input
device or by manually operating the vehicle's controls, such as by
depressing a pedal or turning a steering instrument. When the
autonomous operation features are disabled or terminated, the
controller 204 may either continue vehicle operation without the
autonomous features or may shut off the vehicle 108, depending upon
the circumstances.
[0071] Where control of the vehicle 108 must be returned to the
vehicle operator, the controller 204 may alert the vehicle operator
in advance of returning to manual operation. The alert may include
a visual, audio, and/or other indication to obtain the attention of
the vehicle operator. In some embodiments, the controller 204 may
further determine whether the vehicle operator is capable of
resuming manual operation before terminating autonomous operation.
If the vehicle operator is determined not be capable of resuming
operation, the controller 204 may cause the vehicle to stop and/or
take other appropriate action.
Exemplary Monitoring Method During Operation
[0072] FIG. 4 illustrates a flow diagram depicting an exemplary
monitoring method 400 during vehicle operation, which may be
implemented by the autonomous vehicle insurance system 100. The
method 400 may monitor the operation of the vehicle 108 and adjust
risk levels and rates based upon vehicle use. Although the
exemplary embodiment is described as primarily performed by the
on-board computer 114, the method 400 may be implemented by the
mobile device 110, the on-board computer 114, the server 140, or a
combination thereof. Upon receiving an indication of vehicle
operation at block 402, the on-board computer 114 may determine the
configuration and operating status of the autonomous operation
features (including the sensors 120 and the communication component
122) at block 404. The identity of the vehicle operator may be
determined and/or verified at block 406, which identity may be used
to determine or receive a vehicle operator profile at block 408.
The vehicle operator profile may contain information regarding the
vehicle operator's ability to manually operate the vehicle and/or
past use of autonomous operation features by the vehicle operator.
Information from the sensors 120 and/or external data from the
communication component 122 may be used at block 410 to determine
environmental conditions in which the vehicle 108 is operating.
Together, this information determined at blocks 404-410 may be used
at block 412 to determine one or more risk levels associated with
operation of the vehicle, from which may be determined a costs
associated with an insurance policy at block 414. In some
embodiments, information regarding the determined cost may be
presented to the vehicle operator or other insurance customer
associated with the vehicle 108 at block 416. In still further
embodiments, the vehicle operator and/or insurance customer may be
presented with recommendations or options regarding the cost
associated with the insurance policy at block 418. Presentation of
options may assist the vehicle operator and/or insurance customer
in reducing the cost by allowing the vehicle operator and/or
insurance customer to select a lower-cost option (e.g., by
adjusting the settings associated with the autonomous operation
features). In some embodiments, the vehicle operator and/or
insurance customer may be able to select one or more of the options
to effect an adjustment in the risk levels and/or insurance
cost.
[0073] The method 400 may continue monitoring operation of the
vehicle 108 at block 420, and adjustments may be made to the risk
levels and insurance costs. If the settings associated with the
autonomous operation features are determined to have changed at
block 422 (e.g., as a result of the vehicle operator taking manual
operation of additional controls), the one or more risk levels may
be determined based upon the new settings at block 412, in which
case the blocks 414-422 may be repeated. When no changes have been
made to the settings, the method 400 may further check for changes
to the environmental conditions and/or operating status of the
autonomous operation features at block 424. If changes are
determined to have occurred at block 424, the one or more risk
levels may be determined based upon the new settings at block 412,
as at block 422. When no changes have occurred, the method 400 may
determine whether vehicle operations are ongoing or whether
operation is complete at block 426. When vehicle operation is
ongoing, the method 400 may continue to monitor vehicle operation
at block 420. When vehicle operation is complete, information
regarding operation of the vehicle may be recorded at block 428, at
which point the method 400 may terminate.
[0074] At block 402, the on-board computer 114 may receive an
indication of vehicle operation. This indication may be received
from the vehicle operator (either directly or through the mobile
device 110), and/or it may be generated automatically. For example,
the on-board computer 114 or the mobile device 110 may
automatically generate an indication of vehicle operation when the
vehicle starts operation (e.g., upon engine ignition, system
power-up, movement of the vehicle 108, etc.). Upon receiving the
indication of vehicle operation, the on-board computer 114 may
initiate a system check and/or begin recording information
regarding operation of the vehicle 108.
[0075] At block 404, the on-board computer 114 may determine the
configuration and operating status of one or more autonomous
operation features of the vehicle 108. This may include determining
the configuration, settings, and/or operating status of one or more
hardware or software modules for controlling part or all of the
vehicle operation, aftermarket components disposed within the
vehicle to provide information regarding vehicle operation, and/or
sensors 120 disposed within the vehicle. In some embodiments, a
software version, model version, and/or other identification of the
feature or sensor may be determined. In further embodiments, the
autonomous operation feature may be tested to assess proper
functioning, which may be accomplished using a test routine or
other means. Additionally, the sensors 120 or the communication
component 122 may be assessed to determine their operating status
(e.g., quality of communication connections, signal quality, noise,
responsiveness, accuracy, etc.). In some embodiments, test signals
may be sent to one or more of the sensors 120, responses to which
may be received and/or assessed by the on-board computer to
determine operating status. In further embodiments, signals
received from a plurality of sensors may be compared to determine
whether any of the sensors are malfunctioning. Additionally,
signals received from the sensors may be used, in some embodiments,
to calibrate the sensors.
[0076] At block 406, the on-board computer 114 may determine the
identity of the vehicle operator. To determine the identity of the
vehicle operator, the on-board computer 114 may receive and process
information regarding the vehicle operator. In some embodiments,
the received information may include sensor data from one or more
sensors 120 configured to monitor the interior of the vehicle. For
example, a camera or other photographic sensor may provide
photographic information regarding the vehicle operator, which may
be processed and compared with other photographic data for a
plurality of persons to determine the identity of the vehicle
operator. In further embodiments, the on-board computer may receive
information from a mobile computing device associated with the
vehicle operator, such as a mobile phone or wearable computing
device. For example, a mobile phone may connect to the on-board
computer 114, which may identify the vehicle operator. Additional
steps may be taken to verify the identity of the vehicle operator,
such as comparing a weight sensed on a seat or use of voice
recognition algorithms.
[0077] At block 408, the on-board computer 114 may determine and/or
access a vehicle operator profile based upon the identity of the
vehicle operator determined at block 406. The vehicle operator
profile may include information regarding the vehicle operator's
style of operating the vehicle, including information regarding
past operation of one or more vehicles by the vehicle operator.
This information may further contain past vehicle operator
selections of settings for one or more autonomous operation
features. In some embodiments, the on-board computer 114 may
request or access the vehicle operator profiled based upon the
determined identity. In other embodiments, the on-board computer
114 may generate the vehicle operator profile from information
associated with the identified vehicle operator. The vehicle
operator profile may include information relating to one or more
risks associated with operation of the vehicle by the vehicle
operator. For example, the vehicle operator profile for a driver
may include information relating to risk levels based upon past
driving patters or habits in a variety of relevant environments,
which may include risk levels associated with manual operation of
the vehicle by the driver. In some embodiments, the vehicle
operator profile may include information regarding default settings
used by the vehicle operator for the autonomous operation
features.
[0078] At block 410, the on-board computer 114 may determine
environmental conditions within which the vehicle 108 is or is
likely to be operating. Such environmental conditions may include
weather, traffic, road conditions, time of day, location of
operation, type of road, and/or other information relevant to
operation of the vehicle. The environmental conditions may be
determined based upon signals received from the sensors 120, from
external data received through the communication component 122,
and/or from a combination of sources. The environmental conditions
may then be used in determining risk levels associated with
operation of the vehicle 108.
[0079] At block 412, the on-board computer may determine one or
more risk levels associated with operation of the vehicle 108. The
risk levels may be determined based upon a combination of risk
factors relating to the autonomous operation features and/or risk
factors relating to the vehicle operation. Risks associated with
the autonomous operation features may be determined based upon the
configuration and/or operating status of the autonomous operation
features, the settings of the autonomous operation features, and
the vehicle environment. Risks associated with the vehicle
operation may be determined based upon the autonomous operation
features settings (i.e., the extent to which the vehicle operator
will be controlling vehicle operations) and/or the vehicle operator
profile. The combined risk may account for the likelihood of the
autonomous operation features and/or the vehicle operator
controlling vehicle operations with respect to relevant functions
of the vehicle 108.
[0080] At block 414, the on-board computer 114 may determine a cost
associated with an insurance policy based upon the one or more
risks. In some embodiments, the server 140 may receive information
regarding the vehicle operator and the autonomous operation
features and/or may determine the cost associated with the
insurance policy based upon the risks. The cost may be based upon
risk levels associated with separate autonomous operation features,
interaction between autonomous operation features, the design and
capabilities of the vehicle 108, the past operating history of the
vehicle operator as included in the vehicle operator profile,
and/or other information regarding the probability of an accident,
collision, and/or other loss event involving the vehicle 108. Each
of the separate risks may depend upon the environmental conditions,
and the risks may be weighted based upon the likelihood of each
situation. In some embodiments, a total risk may be determined
relating to operation of the vehicle under foreseeable conditions
with specific settings and configurations of autonomous operation
features by a specific vehicle operator. The total risk may be used
to determine one or more costs associated with the insurance
policy, such as a premium and/or discount.
[0081] In some embodiments, information regarding the cost
associated with the insurance policy may be presented to the
vehicle operator or insurance customer at block 416. The
information may be presented by a display, such as the display 202
of the on-board computer 114 or the mobile device 110. The
information may be presented either for informational purposes or
to receive acceptance of the vehicle operator or insurance
customer. The insurance cost information may include an indication
of one or more of a premium, rate, rating, discount, reward,
special offer, points level, program, refund, and/or other costs
associated with one or more insurance policies. Additionally, or
alternatively, summary information may be presented regarding
insurance costs, including a risk level (e.g., high risk, low risk,
a risk/cost level on a spectrum, etc.). In some embodiments,
presentation of insurance cost information may be suppressed or
delayed (e.g., cost information may be presented in summary form on
a periodic billing statement).
[0082] In further embodiments, options or recommendations regarding
the cost associated with the insurance policy may be presented to
the vehicle operator or insurance customer at block 418. The
options or recommendations may likewise be presented by a display,
such as the display 202 of the on-board computer 114 and/or the
mobile device 110. The options or recommendations may include
information regarding costs associated with other settings or
configurations of the autonomous operation features (e.g., enabling
additional features, selecting an operating mode with lower risks
under the determined environmental conditions, etc.). In some
embodiments, the recommendations or options may be presented for
informational purposes only, requiring the vehicle operator or
insurance customer to make any adjustments separately (e.g.,
through a settings module or other means of adjusting settings for
the autonomous operation features). In other embodiments, the
vehicle operator or insurance customer may select one or more of
the options, whereby adjustments to the configuration or settings
of the autonomous operation features may be caused to be
implemented by the on-board computer 114 or other controlling
device. In some embodiments, the options or recommendations may
include options or recommendations to update the software version
of one or more autonomous operation features, in which case
information regarding a cost associated with updating the features
(if applicable) may be presented. Once the information and/or
options or recommendations regarding insurance costs have been
presented at blocks 416-418 (including, in some embodiments, while
such presentation is occurring), the on-board computer 114 may
monitor operation of the vehicle 108.
[0083] At block 420, the on-board computer 114 may monitor
operation of the vehicle 108, including autonomous operation
feature control decisions, signals from the sensors 120, external
data from the communication component 122, and/or control decisions
of the vehicle operator. Monitoring vehicle operation may include
monitoring data received directly from the features, sensors,
and/or other components, as well as summary information regarding
the condition, movement, and/or environment of the vehicle 108. The
on-board computer 114 and/or mobile device 110 may cause the
operating data to be stored or recorded, either locally in the data
storage 228 and/or via server 140 in the program memory 160 and/or
the database 146. Monitoring may continue until vehicle operation
is complete (e.g., the vehicle has reached its destination and shut
down), including during any updates or adjustments.
[0084] At block 422, the on-board computer 114 may determine
whether any changes have been made to the settings or configuration
of the autonomous operation features. If such changes or
adjustments have been made, the on-board computer 114 may proceed
to determine new risk levels and insurance costs at blocks 412-414
and/or present the information to the vehicle operator or insurance
customer at blocks 416-418, as discussed above. In some
embodiments, minor changes below a minimum change threshold may be
ignored when determining whether any changes have been made. In
further embodiments, the cumulate effect of a plurality of such
minor changes below the minimum change threshold may be considered
as a change at block 422 when the cumulative effect of the minor
changes reaches and/or exceeds the minimum change threshold. When
no changes to the settings or configuration of the autonomous
operation features are determined to have been made at block 422,
the on-board computer 114 may further determine whether any changes
in the environmental conditions and/or operating status of the
autonomous operation features or sensors have occurred. Although
these steps are illustrated separately for clarity, it should be
understood that they may be further divided or combined in various
embodiments.
[0085] At block 424, the on-board computer 114 may determine
whether any changes have occurred to the environmental conditions
of the vehicle 108 and/or the operating status of the autonomous
operation features, sensors 120, or communication component 122.
Such changes may occur when weather or traffic conditions change,
when sensors 120 malfunction or become blocked by debris, and/or
when the vehicle 108 leaves an area where external data is
available via the communication component 122. When such changes
occur, the risk levels associated with control of the vehicle 108
by the vehicle operator and the autonomous operation features may
likewise change. Therefore, it may be advantageous to adjust the
use of the autonomous operation features to account for such
changes. Thus, the on-board computer 114 may proceed to determine
new risk levels and insurance costs at blocks 412-414 and/or
present the information to the vehicle operator or insurance
customer at blocks 416-418, as discussed above, when such changes
are determined to have occurred at block 424. Similar to the
determination at block 422, minor changes below a minimum change
threshold may be ignored at block 424, unless the cumulative effect
of the changes reaches or exceeds the minimum change threshold.
When no changes are determined to have occurred at block 424, the
method 400 may continue to monitor the operation of the vehicle 108
until vehicle operation is determined to have ended.
[0086] At block 426, the on-board computer 114 may determine
whether vehicle operations are complete. This may include
determining whether a command to shut down the vehicle 108 has been
received, whether the vehicle 108 has remained idle at a
destination for a predetermined period of time, and/or whether the
vehicle operator has exited the vehicle 108. Until operation is
determined at block 426 to be complete (i.e., when the vehicle trip
has concluded), the on-board computer 114 may continue to monitor
vehicle operation at block 420, as discussed above. When operation
is determined to be complete at block 426, the on-board computer
114 may further cause a record of the operation of the vehicle 108
to be made or stored. Such records may include operating data (in
full or summary form) and may be used for assessing risks
associated with one or more autonomous operation features or the
vehicle operator. As noted above, in some embodiments, records of
operating data may be generated and stored continually during
operation. In some embodiments, the partial or completed records
may be transmitted to the server 140 to be stored in the database
146. After completion and recordation of the vehicle operation, the
method 400 may terminate.
Exemplary Methods for Determining Operating Status
[0087] FIG. 5 illustrates a flow diagram depicting an exemplary
operating status assessment method 500 that may be used to
determine operation status of the autonomous operation features,
sensors 120, and/or communication component 122, as indicated in
blocks 404 and 424 above. The method 500 may evaluate the
autonomous operation features of the vehicle 108 (including sensors
120) and determine whether they are operating correctly, are
malfunctioning, and/or are operating with impaired or degraded
quality. Such determinations may be particularly important as the
vehicle 108 ages or in environments that may block or damage
sensors 120. In such cases, the original effectiveness of the
autonomous operation features may be reduced as sensors become less
accurate or processing of the sensor data is slowed (such as by
software version updates that improve accuracy but require greater
computational resources). The exemplary method 500 may be
implemented regularly to ensure appropriate risk assessment, as
well as periodically to certify the operating status level of the
vehicle for roadworthiness or insurance rate adjustment. In some
embodiments, periodic evaluation may be performed using special
purpose computing devices and/or by licensed or authorized third
parties. Periodic evaluation may further include more thorough
testing and analysis of the vehicle 108, which may include testing
at a test environment. Although the exemplary embodiment is
described as primarily performed by the on-board computer 114, the
method 500 may be implemented by the mobile device 110, the
on-board computer 114, the server 140, or a combination
thereof.
[0088] Upon receiving a request to determine the operating status
of the autonomous operation features of the vehicle 108 at block
502, the configuration of the sensors 120 may be determined at
block 504. The functioning of autonomous operation feature software
routines may further be determined at block 506. A test signal may
be transmitted to the sensors 120 at block 508, and/or sensor data
may be received at block 510. The sensor data may include a
response to the test signal, as well as other signals from the
sensors based upon the vehicle environment or operation of the
vehicle 108. Based upon the received information, the operating
status of the autonomous operation features and components may be
determined at block 512. If any impairments are detected at block
514, the method 500 may attempt to remediate the impairments at
block 516. If impairments are detected to remain at block 518 after
the remediation attempt, an alert may be generated and presented to
the vehicle operator or an insurance customer at block 520. When no
impairments are detected or after presentation of the alert, a
report indicating the operational status of the autonomous
operation features may be generated at block 522. In some
embodiments, the report may be transmitted to an insurer at block
524, and/or a cost associated with an insurance policy associated
with the vehicle 108 may be determined at block 526. The determined
cost may be presented with the report at block 528 to the vehicle
operator or insurance customer. Once the report has been presented,
the exemplary method may end.
[0089] FIG. 6 illustrates a flow diagram of an exemplary operating
status monitoring method 600 that may be used to determine
operation status of the autonomous operation features, sensors 120,
and/or communication component 122, in addition to or alternatively
to the exemplary method 500 above. The method 600 may be
implemented while the vehicle 108 is in operation to monitor the
operating status of the autonomous operation features and
components. The method 600 may monitor the vehicle operating data
at block 602 to determine operating status of the autonomous
operation features and components at block 604. When a change in
operating status is detected at block 606, one or more
corresponding changes in risk levels may be determined at block
608. If the changes in risk levels are determined to cause the risk
levels to exceed an alert threshold but not a critical threshold at
blocks 610 and 612, respectively, an alert is generated and
presented to the vehicle operator at block 614. If the risk levels
are determined to exceed the critical threshold at block 612, the
method 600 may determine whether control of the vehicle 108 can be
safely transferred to the vehicle operator at block 616. If the
vehicle operator is prepared and able to assume control of the
vehicle 108, then vehicle operation may be transferred to the
vehicle operator at block 620. If control cannot be safely
transferred, the vehicle 108 may cease operations and shut down at
block 618. Once the vehicle 108 is no longer operating, the method
600 may terminate. Although the exemplary embodiment is described
as primarily performed by the on-board computer 114, the method 600
may be implemented by the mobile device 110, the on-board computer
114, the server 140, or a combination thereof.
Exemplary Methods for Control Hand-Off
[0090] FIGS. 7A-B illustrate flow diagrams depicting exemplary
vehicle operation hand-off methods 700 that may be used to transfer
operation of the vehicle 108 from one or more autonomous operation
features to the vehicle operator. FIG. 7A illustrates hand-off of
control when determined necessary based upon heightened risk levels
associated with operation by the one or more autonomous operation
features under the environmental conditions. FIG. 7B illustrates
hand-off of control when requested by the vehicle operator while
one or more autonomous operation features are performing vehicle
control tasks. The methods 700 illustrated in FIGS. 7A and 7B may
be combined or separately implemented in various embodiments.
Although the exemplary embodiment is described as primarily
performed by the on-board computer 114, the exemplary method 700
may be implemented by the mobile device 110, the on-board computer
114, the server 140, and/or a combination thereof.
[0091] Exemplary vehicle operation hand-off method 700 may be
implemented at any time when one or more autonomous operation
features are controlling part or all of the operation of the
vehicle 108. The method 700 may begin by identifying the vehicle
operator at block 702 and receiving a vehicle operator profile for
the vehicle operator at block 704. At block 706, the operating data
(including, in some embodiments, sensor data and external data) may
be received and used to monitor operation of the vehicle 108. In
some embodiments, a request to disable one or more autonomous
operation features may be received from the vehicle operator at
block 732. Autonomous risk levels associated with operation of the
vehicle 108 by the autonomous operation features and operator risk
levels associated with operation of the vehicle 108 by the vehicle
operator may be determined at block 708 and 710, respectively. The
determined risk levels may be used at block 712 to determine
whether to disable one or more autonomous operation features. In
some embodiments, the determination of whether to disable one or
more autonomous operation features may further be based upon the
preparedness level of the vehicle operator determined at block
716.
[0092] When it is determined to disable one or more autonomous
operation features at block 714, the method 700 may transfer
control to the vehicle operator. In some embodiments, this may
include determining whether the vehicle operator is able to safely
assume control by determining whether the vehicle operator's
preparedness level is above a transfer threshold level at block
718. If so, an alert may be presented to the vehicle operator at
block 720 to notify the vehicle operator of the transfer of control
from the one or more autonomous operation features before
transferring operation at block 722. If the vehicle operator's
preparedness level is determined to be below the transfer threshold
but above a minimum threshold at block 724, an alert may be
presented at block 730 to attempt to prepare the vehicle operator
to assume control if the risk levels associated with continued
operation by the autonomous operation features do not exceed a
critical risk threshold at block 726. Once the alert is presented
to the vehicle operator at block 730, the vehicle operator's
preparedness level may be determined again at block 716 and
evaluated at block 718. If the risk levels exceed the critical
threshold at block 726 or the vehicle operator's preparedness level
is below the minimum threshold at block 724, the vehicle 108 may
discontinue operation at block 728 and the method 700 may end.
[0093] When it is determined not to disable the one or more
autonomous operation features at block 714, the method 700 may
continue to monitor the operating data at block 706. If the vehicle
operator requested that one or more autonomous operation features
be disabled, the method 700 may present an alert at block 734 to
notify the vehicle operator that disabling the autonomous operation
features is not recommended. In some embodiments, options to
override the determination not to disable the autonomous operation
features may be presented to the vehicle operator at block 736,
which the vehicle operator may select at block 738. If the vehicle
operator is determined at block 740 to have not selected an option
to override the determination, the method 700 may continue to
monitor operation data at block 706. If the vehicle operator is
determined at block 740 to have selected an option to override the
determination, control of operation may be transferred from the one
or more autonomous operation features to the vehicle operator. In
some embodiments, one or more risk levels associated with disabling
the autonomous operation features may be determined at block 742.
If the risk levels are determined to be below a critical threshold
at block 744, control may be transferred to the vehicle operator.
If the risk levels meet or exceed the critical threshold at block
744, the vehicle 108 may instead discontinue operation at block 728
and the method 700 may end.
Exemplary Methods for Vehicle Operator Identification
[0094] FIG. 8 illustrates a flow diagram depicting an exemplary
vehicle operator identification method 800 that may be used to
adjust an insurance policy associated with the vehicle operator or
vehicle 108. The exemplary method 800 may begin with receipt of a
request to identify the vehicle operator of the vehicle at block
802. At blocks 804-810, the vehicle operator may be identified by
sensor data and/or received indications of identity, such as from a
mobile device 110. Once the identity of the vehicle operator has
been determined (or cannot be determined), the method 800 may
further determine whether the vehicle operator is authorized to
operate the vehicle 108 at block 812. If the vehicle operator is
not authorized, an alert may be generated and/or vehicle operations
may be limited at blocks 814-816. If the vehicle operator is
authorized, a vehicle operator profile associated with the vehicle
operator may be obtained at block 818, and/or an insurance policy
associated with the vehicle 108 or the vehicle operator may be
identified at block 820. During vehicle operation, operating data
of the vehicle 108 may be received and used to adjust the vehicle
operator profile and/or the insurance policy at blocks 822-826.
When vehicle operation has been determined to be complete at block
828, the method 800 may terminate. Although the exemplary
embodiment is described as primarily performed by the on-board
computer 114, the method 800 may be implemented by the mobile
device 110, the on-board computer 114, the server 140, and/or a
combination thereof.
[0095] At block 802, the on-board computer 114 may receive a
request to identify the vehicle operator of the vehicle 108. In
some embodiments, the request may be automatically generated by the
on-board computer 114 or another device upon receiving an
indication of an attempt to start and/or operate the vehicle 108.
The attempt to start the vehicle 108 may include an ignition
command, a system power-up sequence, and/or an attempt to start the
vehicle 108 by circumventing the ordinary start-up sequence. In
further embodiments, the request may be generated when a potential
vehicle operator is determined to be present in the vehicle (e.g.,
when the vehicle operator sits in a driver's seat).
[0096] At blocks 804-810, the on-board computer 114 may receive
identifying information regarding the vehicle operator and/or
determine the identity of the vehicle operator based upon the
identifying information. The on-board computer 114 may receive
either or both of sensor data or an identifying indication of the
vehicle operator's identity. Either or both branches illustrated in
FIG. 8 may be used to identify the vehicle operator, separately or
in combination. Where sensor data is used, the vehicle operator's
identity may be determined based upon comparison with previously
recorded sensor data regarding one or more vehicle operators. Where
an identifying indication is received, such as from a mobile device
110, additional information and/or sensor data may be used to
verify the received identifying indication.
[0097] At block 804, the on-board computer 114 may receive sensor
data regarding the vehicle operator from one or more sensors 120 of
the vehicle 108. In some embodiments, the sensor data may include
data from a physiological sensor disposed within the vehicle. For
example, a fingerprint reader may be disposed within a steering
apparatus and/or a heart rate monitor may be disposed within a
seatbelt. Other sensor may be used to provide identifying
information based upon the image, voice, and/or other
characteristics of the vehicle operator.
[0098] At block 806, the on-board computer 114 may determine the
identity of the vehicle operator based upon the received sensor
data. In some embodiments, this may include comparing the sensor
data to known characteristics of a plurality of known vehicle
operators, which may include previously recorded sensor data. The
characteristics of the plurality of known vehicle operators may be
access from the data storage 228 and/or database 146. In some
embodiments, the server 140 may determine and/or verify the
identity of the vehicle operator based upon sensor data transmitted
via the network 130. In some embodiments, the on-board computer 114
may first attempt to determine the identity of the vehicle
operator, but may transmit information to the server 140 for
identification if the vehicle operator cannot be identified by the
on-board computer 114. When attempts to identify the vehicle
operator fail, the on-board computer 114 may determine that the
vehicle operator may be a new user of the vehicle in some
embodiments. Information regarding the new user may be recorded,
and additional information may be requested from the new user.
Alternatively, the on-board computer 114 may determine a default
profile for an unidentified vehicle operator.
[0099] At block 808, the on-board computer 114 may receive an
indication of the vehicle operator's identity from another device.
The indication of vehicle operator identity may include a signal
that directly or indirectly identifies the vehicle operator. For
example, the mobile device 110 of the vehicle operator may
wirelessly connect to the on-board computer 114 (e.g., via
Bluetooth), which may directly identify the mobile device 110 and
indirectly identify the vehicle operator as a person associated
with the mobile device 110. As another example, a wearable
computing and/or identification device (e.g., a key fob or personal
RFID tag) may communicate with and/or be read by the on-board
computer 114, which may directly identify the vehicle operator. In
some embodiments, other indications of vehicle operator identity
may be received, such as a selection on the display 202 of a
vehicle operator and/or a personal identification number entered
upon vehicle start-up. It will be readily apparent that some
indications of vehicle operator identity may be susceptible to use
by persons other than the associated vehicle operator. In some
embodiments, therefore, the on-board computer 114 may further
verify the received identifying information at block 808.
Verification at block 810 may be effected by comparison and/or
analysis of sensor data and/or other information collected by the
on-board computer 114 regarding the vehicle operator, as discussed
above with respect to block 806. For example, the vehicle
operator's weight and/or height determined from sensor data may be
compared with previously recorded information to determine whether
the vehicle operator matches the identity received at block
808.
[0100] At block 812, the on-board computer 114 may determine
whether the identified vehicle operator is authorized to operate
the vehicle 108. Where the vehicle operator cannot be identified,
the vehicle operator may be treated as unauthorized. In some
embodiments, however, an unauthorized vehicle operator may receive
authorization to operate the vehicle. For example, if the on-board
computer 114 determines an authorized vehicle operator is present
in the vehicle, the authorized vehicle operator may be able to
authorize operation of the vehicle by the previously unauthorized
vehicle operator. In some embodiments, such authorization may not
be permitted or may be permitted with restrictions and/or
limitations. For example, the on-board computer 114 may first
determine that the unauthorized vehicle operator may be a validly
licensed operator of vehicles of the type of vehicle 108, and/or an
insurance policy rate adjustment may be required. If such
conditions are met, the unauthorized vehicle operator may become
authorized, either generally or for a limited scope of use.
[0101] If the vehicle operator is not authorized, the on-board
computer 114 may generate an alert at block 814. In some
embodiments, the alert may be presented to the vehicle operator. In
further embodiments, the alert may be presented to one or more
persons and/or entities associated with the vehicle 108 (e.g., a
vehicle owner, an insurance customer, an insurer, etc.). The alert
may include information regarding the vehicle operator, the vehicle
108, and/or the attempted unauthorized operation. In some
embodiments, sensor data such as images of the vehicle operator may
be captured and transmitted to the server 140, where such data may
be stored for future use (e.g., identifying a person attempting to
steal the vehicle 108). At block 816, the on-board computer 114 may
limit and/or restrict the operation of the vehicle 108 based upon
the unauthorized vehicle operator. In some embodiments, such limits
may include causing the vehicle 108 not to operate or to operate
only in a fully autonomous mode. In other embodiments, certain
functions or features of the vehicle 108 may be disabled. In
further embodiments, operation may be limited to a core set of
vehicle features by unauthorized vehicle operators to permit
emergency use.
[0102] If the vehicle operator is determined to be authorized at
block 812, the on-board computer 114 may determine a vehicle
operator profile for the vehicle operator at block 818. In some
embodiments, the vehicle operator profile may be determined by
accessing information stored in the data storage 228 and/or
receiving the vehicle operator profile from the server 140 via
network 130. The vehicle operator profile may include information
regarding the vehicle operator, including information regarding
past operation of one or more vehicles by the vehicle operator. In
some embodiments, the vehicle operator profile may include
information regarding one or more risk levels associated with the
vehicle operator. For example, the vehicle operator profile may
include a plurality of risk levels associated with operation of
vehicles by the vehicle operator in a plurality of environmental
conditions (e.g., driving on dry limited-access highways with light
traffic, driving on congested limited-access highways with heavy
traffic during rush hour, driving on icy residential streets during
the day, etc.). Vehicle operator profiles are discussed in further
detail elsewhere herein, at least with respect to FIG. 9.
[0103] At block 820, the on-board computer 114 may determine an
insurance policy associated with the vehicle operator and/or the
vehicle 108. In some embodiments, the insurance policy may be
determined by reference to the vehicle operator profile. The
insurance policy may cover operation of any vehicle by the vehicle
operator, operation of the vehicle 108 by any vehicle operator,
operation of a limited set of vehicles by the vehicle operator,
operation of the vehicle 108 by a limited set of vehicle operators,
and/or operation of a set of vehicle by a set of vehicle operators.
For example, the insurance policy may cover operation of the
vehicle 108 by a plurality of vehicle operators, each of whom may
have a separate vehicle operator profile associated with a separate
set of risk levels. In some embodiments, an insurance policy
covering a plurality of vehicle operators may include a plurality
of costs associated with operation of the vehicle 108 by the
vehicle operators. Thus, operation of the vehicle 108 by a vehicle
operation with higher risk levels may result in a higher cost than
operation of the vehicle 108 by another vehicle operator with lower
risk levels, even though both vehicle operators are covered by the
same insurance policy. Alternatively, or additionally, the vehicle
108 may be associated with a plurality of insurance policies, each
associated with one or more vehicle operators. In such embodiments,
one or more vehicle insurance policies associated with the vehicle
108 may be determined at block 820 that are also associated with
the identified vehicle operator.
[0104] At blocks 822-826, the on-board computer 114 may monitor
vehicle operation and/or adjust the vehicle operator profile and/or
the insurance policy until vehicle operation is determined at block
828 to be complete. When operation is determined at block 828 to be
complete, the method 800 may terminate.
[0105] At block 822, the on-board computer 114 may monitor
information regarding the operation of the vehicle 108. The
information may include operating data regarding the configuration
and/or settings of the autonomous operation features and/or the
sensors 120, decision data from the autonomous operation features,
processed and/or unprocessed sensor data from the sensors 120,
external data from the communication component 122, and/or control
commands of the vehicle operator. In some embodiments, the
information may further include information regarding the vehicle
operator, such as the operator's physical, mental, and/or emotional
state. For example, information regarding the vehicle operator's
attentiveness when operating the vehicle 108 and/or when the
autonomous operation features are operating the vehicle 108 may be
monitored. In some embodiments, the information monitored at block
822 may include one of the following: manual operation commands by
the vehicle operator, autonomous feature settings, autonomous
feature configuration, and/or autonomous operation feature
operating status. In further embodiments, the on-board computer 114
may record the received information in the data storage 228 and/or
cause the information to be recorded in the database 146.
[0106] At block 824, the on-board computer 114 may adjust the
vehicle operator profile based upon the information received at
block 822. In some embodiments, this may include adjusting one or
more risk levels associated with the vehicle operator. The
adjustments may be based upon the operation of the vehicle by the
vehicle operator, as well as the selection of autonomous operation
features and/or settings of the autonomous operation features used
during vehicle operation.
[0107] At block 826, the on-board computer 114 may adjust the
insurance policy based upon the information received and/or
recorded at block 822. In some embodiments, the adjustment may be
based at least in part upon one or more risk levels determined for
the vehicle operator based upon the monitored information.
Adjusting the insurance policy may include determining a cost
associated with the insurance policy and/or a change to a cost
associated with the insurance policy based upon the monitored
information. Such costs may include a premium, rate, rating,
discount, reward, special offer, points level, and/or refund. In
some embodiments, the cost and/or change in the cost may be based
upon the operation of the vehicle 108 by the one or more autonomous
operation features, the operation of the vehicle 108 by the vehicle
operator, and/or a combination of the operation by the autonomous
operation features and the vehicle operator. When both the vehicle
operator and the autonomous operation features control at least
part of the vehicle operation, the extent to which each controls
operation of the vehicle 108 may be used to determine the cost
and/or change in cost associated with the insurance policy. In
further embodiments, the cost may be determined at least in part
based upon the duration of vehicle operation and/or the distance of
vehicle operation. For example, the insurance policy may include a
cost per mile traveled and/or a cost per hour of travel.
Exemplary Methods for Monitoring Use by Vehicle Operators
[0108] FIG. 9 illustrates a flow diagram depicting an exemplary
vehicle operator use monitoring and evaluation method 900 that may
be used to determine skill or risk levels associated with a vehicle
operator or adjust an insurance policy. The exemplary method 900
may begin with determining the identity of the vehicle operator at
block 902. If a vehicle operator profile can be found for the
vehicle operator at block 904, the vehicle operator profile may be
accessed at block 912. If no vehicle operator profile can be found
for the vehicle operator at block 904, a vehicle operator profile
may be created based upon vehicle operations and stored for future
use at blocks 906-910. The newly created vehicle operator profile
may be generated at block 908 with vehicle operating data from only
a short time period or may include only information regarding
configuration and/or settings of the autonomous operation features,
in which case operation of the vehicle may continue after the
vehicle operator profile is generated. If operation is determined
to be ongoing at block 914, vehicle operation may be monitored and
the vehicle operator profile may be updated at blocks 916-924. In
some embodiments, the vehicle operator may be able to select an
option of a mode for vehicle operation. If such a mode selection is
detected at block 916, the settings of the autonomous operation
features may be adjusted at block 918. Vehicle operation may be
monitored at block 920 based upon received operating data, which
may be used to determine adjustments to the vehicle operator
profile at block 922. The adjustments may then be used to update
the vehicle operator profile at block 924. When operation is
complete, the method 900 may determine risk or skill levels
associated with the vehicle operator at blocks 926-928. These
determined levels may be used at blocks 930-934 to generate a
report or adjust an insurance policy. Although the exemplary
embodiment is described as primarily performed by the on-board
computer 114, the method 900 may be implemented by the mobile
device 110, the on-board computer 114, the server 140, and/or a
combination thereof.
[0109] At block 902, the on-board computer 114 may determine the
identity of the vehicle operator, as discussed above. Once the
vehicle operator identity is determined, the on-board computer 114
may determine whether a vehicle operator profile exists at block
904. If no vehicle operator profile can be found at block 904, the
on-board computer 114 may monitor the operation of the vehicle 108
at block 906, as discussed above. In some embodiments, the
monitoring at block 906 may include obtaining a snapshot of the
operating data (including information regarding the vehicle
environment) and/or data regarding the vehicle operator at a point
in time or over a short period of time. In other embodiments, the
vehicle operations may be monitored at block 906 until the vehicle
is stopped and/or shut down. At block 908, the on-board computer
114 may generate a vehicle operator profile for the vehicle
operator based upon the monitored information regarding the
operation of the vehicle, which may be recorded in the data storage
228 and/or the database 146 at block 910. If a vehicle operator
profile is found at block 904 (such as a vehicle operator profile
previously generated using information from a separate instance of
vehicle operation), the on-board computer 114 may access the
vehicle operator profile at block 912.
[0110] The vehicle operator profile may include information
regarding the vehicle operator, including an operating style of the
vehicle operation. The operating style may include information
regarding frequency with which the vehicle operator operates the
vehicle manually, uses one or more autonomous operation features,
selects one or more settings for the autonomous operation features,
and/or takes control from the autonomous operation features under
various conditions. The operating style may further include
information regarding observed control decisions made by the
vehicle operator, such as rate of acceleration, frequency of lane
changes, use of vehicle signaling devices, distances maintained
from other vehicles or pedestrians, and/or other aspects of vehicle
operation. For example, vehicle operator decisions regarding how
long to stop at a stop sign and/or when to begin accelerating from
such a stop in the presence of other vehicles or pedestrians may be
included in the operating style. The vehicle operator profile may
further include information regarding vehicle operator skill
levels, as described below. In some embodiments, the vehicle
operator profile may include a risk profile or information
regarding one or more risk levels associated with operation of the
vehicle by the vehicle operator. Such risk levels may be associated
with particular configurations and/or settings of autonomous
operation features or particular conditions of the vehicle
environment (e.g., time of day, traffic levels, weather, etc.).
[0111] In further embodiments, the vehicle operator profile may
include information regarding attentiveness of the vehicle operator
while the vehicle is being autonomously operated. For example, some
vehicle operators may typically pay attention to road conditions
while a vehicle is operating in a fully autonomous mode, while
other vehicle operators may typically engage in other activities.
In some embodiments, the vehicle operator profile may include
information regarding decisions made by the vehicle operator
regarding actions that would result in adjustments to costs
associated with an insurance policy (e.g., accepting or rejecting
recommendations to optimize autonomous operation feature use to
lower insurance costs).
[0112] The vehicle operator profile or vehicle operator behavior
data may indicate how well the specific vehicle operator drives in
rain, snow, sleet, ice, heavy traffic, road construction,
stop-and-go traffic, bumper-to-bumper traffic, country or rural
traffic, and/or city or downtown street traffic. The current
environment (or condition) may include or be rain, ice, snow, fog,
heavy traffic, bumper-to-bumper traffic, road construction, city
traffic, country or rural traffic, and/or may be associated with a
type of road, such as a two-lane or four-lane highway, and/or
downtown city street or other street having several traffic
lights.
[0113] Once the vehicle operator profile is determined by
generating the profile and/or accessing the profile, the on-board
computer 114 may determine whether vehicle operation is ongoing at
block 914. In some embodiments, vehicle operation may be determined
to be ongoing until the vehicle 108 has reached a destination
and/or has shut down. If operation is ongoing, the on-board
computer 114 may monitor vehicle operations and/or adjust the
vehicle operator profile or autonomous operation feature settings
at blocks 916-924.
[0114] At block 916, the on-board computer 114 may determine
whether the vehicle operator has selected an operating mode of the
vehicle 108. The operating mode may include one or more settings or
configurations of autonomous operation features. For example,
operating modes may include adjustments to settings that cause the
autonomous operation features to control the vehicle 108 in a more
or less aggressive manner with respect to speed, distance from
other vehicles, distance from pedestrians, etc. As an example, the
settings may cause the vehicle 108 to remain at least a minimum
distance from other vehicles (which may depend upon vehicle speed
or road conditions), and modes may set different minimum distances.
Examples of modes may include a city driving mode, a highway
driving mode, a rush operation mode, a smooth operation mode, a
cautious mode, and/or a user-defined mode.
[0115] In some embodiments, an operating mode may be based upon the
vehicle operator profile. For example, the vehicle profile may
include information indicating an operating style of the vehicle
operator based upon observations of control commands by the vehicle
operator, which profile information may be used to generate an
operation mode that mimics the style of the vehicle operator. Thus,
if the vehicle operator typically stops at stop signs for a
particular length of time, the operating style may mimic this
length of time to provide an experience that seems normal or
customary to the vehicle operator. If a selection of an operating
mode is determined to have been received at block 916, the on-board
computer 114 may adjust the settings of one or more autonomous
operation features based upon the selected operating mode at block
918. If no selection is received at block 916, the system may
continue to monitor vehicle operation at block 920.
[0116] At block 920, the on-board computer 114 may monitor
operation of the vehicle 108, which may include operating data,
vehicle environment data, and/or vehicle operator data, as
discussed above. At intervals, upon completion of a trip, upon
receipt of a sufficient quantity of data from monitoring vehicle
operation, and/or at other fixed or variable times, the on-board
computer 114 may determine adjustments to the vehicle operator
profile at block 922. In some embodiments, determining adjustments
may include determining a temporary vehicle operator profile based
upon the monitored operation information, which may be weighted and
combined with the existing vehicle operator profile to determine an
updated vehicle operator profile. At block 924, the on-board
computer 114 may update the vehicle operator profile based upon the
adjustments determined at block 922. In some embodiments, the
updated vehicle operator profile may be recorded or stored in the
data storage 228 and/or the database 146.
[0117] When the on-board computer 114 determine that vehicle
operation is no longer ongoing at block 914, the on-board computer
114 may further determine one or more risk levels associated with
the vehicle operator at block 926. In some embodiments, the one or
more risk levels may be determined by the mobile device 110 and/or
the server 140. These risk levels may include risk levels
associated with operation of the vehicle 108 by the vehicle
operator, operation of the vehicle 108 by the autonomous operation
features using modes and/or settings selected by the vehicle
operator, and/or a combination thereof. In some embodiments, the
risk levels may be based upon information included in the vehicle
operator profile, including information regarding the operating
style of the vehicle operator. The risk levels may be determined
based upon the monitored information regarding vehicle operation
using actual and/or expected loss rates associated with vehicle
operation. The actual and/or expected loss rates may be based upon
information regarding accidents of other vehicles and/or test
results from virtual and/or physical testing of the autonomous
operation features, as discussed elsewhere herein. In some
embodiments, the determined risk levels may be included in or used
to update the vehicle operator profile.
[0118] At block 928, the on-board computer 114 may determine one or
more skill levels associated with the vehicle operator based upon
the vehicle operator profile. The one or more skill levels may
indicate the ability of the vehicle operator to safely perform
control functions to manually operate the vehicle 108. Such
information may be used to determine and/or certify competence of
the vehicle operator for manual operation of the vehicle, including
in conditions where the autonomous operation features must transfer
control to the vehicle operator, as discussed above. In some
embodiments, the determined skill levels may include a level within
a range of skill levels, while in other embodiments, the determined
skill levels may simply indicate whether the vehicle operator has a
required minimum competency level. As with the risk levels, the
skill levels may be determined for a plurality of types of
operating functions (e.g., steering, obstacle avoidance, braking,
navigation, traffic signal recognition and observance, etc.). In
some embodiments, the one or more skill levels may be determined by
the server 140 or another general-purpose or special-purpose
computing device communicatively connected to the vehicle 108.
[0119] At block 930, the on-board computer 114 may generate a
report including information regarding the one or more determined
skill levels of the vehicle operator. In some embodiments, the
report may certify the one or more skill levels. In some
embodiments, the skill levels may be certified by a computing
device (such as the server 140 or a special-purpose computer
device) not under the control of the vehicle operator. For example,
device associated with an insurer and/or a third party (who may be
authorized or licensed to certify vehicle operator skill levels)
may monitor the vehicle operation and/or receive data from the
on-board computer regarding vehicle operation. The insurer and/or
third party device may then process the data to ensure reliability
before determining and/or certifying the one or more skill levels
of the vehicle operator. In some embodiments, the report may
further include information regarding the date and time of
certification, along with information regarding the certifying
entity. In further embodiments, the one or more skill levels may be
determined based upon information from the vehicle operator
operating the vehicle 108 within a test environment for the purpose
of determining the skill levels. The test environment may be a
closed test environment and/or a section of one or more public
roadways used for evaluation of the vehicle operator's skill
levels. In some embodiments, the report may further be transmitted
to the server 140 via the network 130.
[0120] At block 932, the server 140 may determine a cost associated
with an insurance policy associated with the vehicle operator. The
cost may include a premium, discount, per-use fee, and/or other
type of cost, as discussed elsewhere herein. In some embodiments,
the cost may be determined based upon the one or more risk levels
and/or the vehicle operator skill levels. The cost may further be
determined based upon one or more of the following: duration of
operation by the vehicle operator, distance of operation by the
vehicle operator, and/or extent of operation by the vehicle
operator. For example, the cost may include a component of costs
per mile travelled and/or costs per hour of vehicle use. In some
embodiments, the cost may be based upon an operating mode selected
by the vehicle operator. The operating mode may cause the settings
associated with autonomous operation features of the vehicle to be
set to values that may be associated with higher or lower risk
levels. Thus, the insurance policy cost may be based at least in
part upon duration of operation using the selected operating mode,
distance of operation using the selected operating mode, and/or
extent of operation by the one or more autonomous operation
features based upon the vehicle operator profile. Additionally, or
alternatively, the determination of the cost associated with the
insurance policy may include determining an adjustment to the
insurance policy and/or to one or more costs associated with the
insurance policy.
[0121] At block 934, the server 140 may adjust the insurance policy
based upon the cost and/or cost adjustment determined at block 932.
In some embodiments, this may include presenting information
regarding the adjustment to the cost to the vehicle operator and/or
to an insurance customer. In further embodiments, the vehicle
operator and/or insurance customer may be able to select from one
or more options regarding adjustments to the insurance policy,
which may be associated with costs, coverage levels, deductible
levels, coverage types, and/or settings of the autonomous operation
features. In some embodiments, the information and options may be
presented to the vehicle operator and/or insurance customer upon a
determination of a change in operation that would result in a
change to the cost above a threshold (which may be zero). The
continued operation may be received as an indication of acceptance
of the adjustment to the insurance policy, or the change in
operation may be delayed until the adjustment to the insurance
policy is accepted. In some embodiments, the change in operation
may be prevented based upon the determined adjustment to the
insurance policy that would result from the change in operation
(e.g., certain high-risk operating modes may be disabled for some
vehicle operators or under some circumstances).
Exemplary Methods for Comparing Costs
[0122] FIG. 10 illustrates a flow diagram depicting an exemplary
cost comparison method 1000 that may be used to compare costs
associated with vehicles, some of which may include autonomous
operation features. The exemplary method 1000 may begin by
receiving a command to generate a comparison report between two or
more alternative transportation options for an insurance customer
or other user. The method 1000 may further receive information
regarding one or more vehicle operators may be received at block
1004 and/or information regarding a first vehicle and a second
vehicle at block 1006. The first and second vehicles may differ in
autonomous operation features or other characteristics. Cost levels
associated with obtaining, operating, and insuring the first
vehicle and the second vehicle may be determined at block 1008,
and/or a recommendation based upon the costs may be determined at
block 1010. A report including the costs levels, recommendation,
and/or related information may be generated at block 1012 and
presented to the insurance customer or other user at block 1014.
Additionally, one or more options may be presented along with the
report at block 1016, such as options to perform another comparison
or present additional information. If an option is selected at
block 1018, the corresponding action may be performed at block
1020. Although the exemplary embodiment is described as primarily
performed by the server 140, the method 1000 may be implemented by
the mobile device 110, the on-board computer 114, the server 140,
and/or a combination thereof.
Exemplary Methods for Updating Autonomous Operation Features
[0123] FIG. 11 illustrates a flow diagram depicting an exemplary
autonomous operation feature update method 1100 that may be used to
identify, recommend, and/or install updates to autonomous operation
features in appropriate autonomous or semi-autonomous vehicles. In
some embodiments, the updates may include software version updates.
The exemplary method 1100 may begin with the receipt of an
indication of an available update to an autonomous operation
feature at block 1102, which may include an update to a version of
autonomous operation feature software. A plurality of vehicles
having the autonomous operation feature may be identified at block
1104 based upon recorded features or communication with the
plurality of vehicles. A change in one or more risk levels
associated with the update may be determined for some or all of the
identified vehicles at block 1106, and/or a change in a cost
associated with one or more of the plurality of vehicles may be
determined at block 1108. If the determined changes in risk levels
or insurance costs meet certain criteria for installing the update
at block 1110, a notification regarding the update may be presented
to an insurance customer at block 1112. The notification may
further include information regarding costs associated with the
update. If an indication of acceptance of the update is received at
block 1114, the update may be installed at block 1116. Although the
exemplary embodiment is described as primarily performed by the
server 140, the method 1100 may be implemented by the mobile device
110, the on-board computer 114, the server 140, and/or a
combination thereof.
Exemplary Methods for Repair of an Autonomous Vehicle
[0124] FIG. 12 illustrates a flow diagram depicting an exemplary
autonomous vehicle repair method 1200 that may be used to determine
repairs needed as a result of damage to an autonomous or
semi-autonomous vehicle. The exemplary method 1200 may begin by
receiving an indication of damage to the vehicle 108 at block 1202
and/or receiving operating data associated with the vehicle 108 at
block 1204. Based upon the operating data, the type and extent of
damage to the vehicle 108 may be determined at block 1206, and/or
repairs needed to fix the damage may be determined at block 1208.
Additionally, one or more expected costs (or ranges of costs) for
the repairs may be estimated at block 1210. An insurance policy
associated with the vehicle 108 may be identified, and/or a maximum
payment for the repairs may be determined at block 1212 based upon
the estimated costs and the insurance policy. Information regarding
the estimated cost or costs and the maximum payment under the
insurance policy may be presented to an insurance customer at block
1214. Additionally, options associated with the repairs may be
presented to the insurance customer at block 1216, and/or a
selection of one or more options may be received at block 1218. An
insurer or other party may cause a payment to be made at block 1220
to the insurance customer, beneficiary, or other relevant party
based upon the estimated costs of repairing the damage and the
selected option. Although the exemplary embodiment is described as
primarily performed by the server 140, the method 1200 may be
implemented by the mobile device 110, the on-board computer 114,
the server 140, and/or a combination thereof.
Exemplary Methods for Infrastructure Communications
[0125] FIG. 13 illustrates a flow diagram depicting an exemplary
infrastructure communication method 1300 that may be used to detect
and communicate information regarding infrastructure components to
vehicles. The exemplary method 1300 may begin with the
infrastructure communication device 124 receiving information
regarding the infrastructure component 126 from one or more sensors
at block 1302. The information may be used at block 1304 to
determine a message regarding the infrastructure component 126. In
some embodiments, the message may be augmented at block 1306 by
information associated with a sponsor or other party affiliated
with the infrastructure communication device 124. The message may
then be encoded at block 1308 and transmitted at block 1310, which
may cause the message to be presented to the vehicle operator of
the vehicle 108 at block 1312. Although the exemplary embodiment
describes one infrastructure communication device 124 communicating
with one vehicle 108, it should be understood than any number of
infrastructure communication devices 124 may communicate with any
number of vehicles 108.
Updating Insurance Policies
[0126] In one aspect, a computer-implemented method of updating an
insurance policy may be provided. The method may include (a)
gathering or receiving, at or via one or more processors (such as
either a local processor associated with a smart vehicle and/or a
remote processor or server associated with an insurance provider),
data indicative of (1) vehicle usage, and/or (2) vehicle drivers
for an insured vehicle; (b) analyzing the data, via the one or more
processors, to determine (i) an amount and/or (ii) type of vehicle
usage for each vehicle driver; (c) based upon the amount of vehicle
usage for each vehicle driver and/or the type of vehicle usage for
each vehicle driver, via the one or more processors, updating or
adjusting an insurance policy (such as a premium, rate, rewards or
points program, discount, etc.) for the insured vehicle; (d)
transmitting, under the direction or control of the one or more
processors, the updated or adjusted insurance policy (or otherwise
causing the updated or adjusted insurance policy to be presented or
displayed to the insured) to a mobile device of the insured for
their review, modification, and/or approval; and/or (e) receiving,
at or via the one or more processors, from the mobile device of the
insured (such as via wireless communication) an approval of the
updated or adjusted insurance policy of the insured to facilitate
more accurate insurance pricing and/or insurance cost savings. The
method may include additional, fewer, or alternate actions,
including those discussed elsewhere herein.
[0127] For instance, the amount of vehicle usage may include an
amount of time and/or miles that each individual vehicle driver
drives the vehicle. The type of vehicle usage may include
characterizing various periods of driving and/or trips as city
driving; country driving; freeway or highway driving city street
driving; heavy traffic or congested traffic driving; driving in
good weather; driving in hazardous weather; rush hour driving;
and/or time-of-day driving.
[0128] The vehicle drivers may be identified from mobile device
signature; seat pressure sensors and weight; image recognition
techniques performed upon images of the driver; and/or biometric
devices (such as heart beat or rate characteristics; voice print;
and/or thumb or finger prints).
Biometric Device Data
[0129] In one aspect, a computer-implemented method of updating an
insurance policy using biometric device data may be provided. The
method may include (a) gathering or receiving, at or via one or
more processors (such as either a local processor associated with a
smart vehicle and/or a remote processor or server associated with
an insurance provider), data from a biometric device indicative of
whom is driving an insured vehicle; (b) gathering or receiving, at
or via the one or more processors, data indicative of vehicle usage
for a single trip and/or driving or driver behavior during the
single trip; (c) updating or adjusting, at or via the one or more
processors, an insurance policy (such as a premium, rate, rewards
or points program, discount, etc.) for the insured vehicle based
upon (1) whom is driving the insured vehicle (and/or his or her
driving profile or score), and/or (2) the data indicative of
vehicle usage for the single trip and/or the driving or driver
behavior exhibited during the single trip to facilitate more
accurate risk assessment and/or cost savings to the insured. The
method may include additional, fewer, or alternate actions,
including those discussed elsewhere herein. For instance, the
biometric device may verify an identity of the driver based upon
heartbeat, facial recognition techniques, and/or mood.
[0130] In another aspect, a computer-implemented method of updating
an insurance policy may be provided. The method may include (1)
gathering or receiving, at or via one or more processors (such as
either a local processor associated with a smart vehicle and/or a
remote processor or server associated with an insurance provider),
data from a biometric device identifying a driver of an insured
vehicle; (2) gathering or receiving, at or via the one or more
processors, data indicative of driving or driver behavior for the
driver identified from the biometric device data; (3) generating,
at or via the one or more processors, a usage-based insurance
policy for the insured vehicle based upon (i) the identity of the
driver determined from the biometric device data, and/or (ii) the
data indicative of driving or driver behavior exhibited by the
driver to facilitate more accurate risk assessment and/or provide
cost savings to the insured. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
Usage-Based Insurance for Multiple Drivers
[0131] In one aspect, a computer-implemented method of generating
or updating an usage-based insurance policy for an autonomous or
semi-autonomous vehicle having multiple drivers may be provided.
The method may include (1) identifying, via one or more processors
(such as a vehicle-mounted local processor or remote insurance
provider processor or server), multiple drivers that drive a
vehicle, the vehicle having one or more autonomous or
semi-autonomous technologies or functionalities; (2) determining,
via the one or more processors, a driving behavior for each of the
multiple drivers; (3) determining, via the one or more processors,
(i) an amount that each autonomous or semi-autonomous technology or
functionality is used, and/or (ii) a type of autonomous or
semi-autonomous technology or functionality that is employed by
each of the multiple drivers; (4) generating or updating, via the
one or more processors, an insurance policy (such as a premium,
rate, discount, rewards or points program, etc.) for the vehicle
based upon (a) the driving behavior for each of the multiple
drivers determined, (b) the amount that each autonomous or
semi-autonomous technology or functionality is used by each of the
multiple drivers, and/or (c) the type of autonomous or
semi-autonomous technology or functionality that is employed by
each of the multiple drivers to facilitate providing
insurance-related cost savings to the insured and/or to provide an
enticement to an insured family to implement safety enhancing
technology or functionality. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
Software Versions
[0132] In one aspect, a computer-implemented method of updating an
insurance policy may be provided. The method may include (1)
gathering or receiving, at or via one or more processors (such as
either a local processor associated with a smart vehicle and/or a
remote processor or server associated with an insurance provider),
data indicative of a software version installed on or in an insured
vehicle that is associated with an autonomous or semi-autonomous
functionality; (2) determining, at or via the one or more
processors, that the software version is out of date or a (safer or
less risky) new software version exists and/or is available for
download; (3) generating, at or via the one or more processors, a
recommendation to an insured to update or upgrade to the new
software version, and transmitting that recommendation under the
direction or control of the one or more processors to a mobile
device or insured vehicle controller (such as via wireless
communication or data transmission); (4) determining, at or via the
one or more processors, (or receiving an indication) that the
insured has updated or upgraded to the new software version
associated with the autonomous or semi-autonomous functionality;
and/or (5) updating or adjusting, at or via the one or more
processors, an insurance policy (such as a premium, rate, rewards
or points program, discount, etc.) for the insured vehicle based
upon the insured updating or upgrading to the new software version
associated with an autonomous or semi-autonomous functionality to
facilitate providing cost savings to the insured and/or enticing
drivers to update vehicle software to most recent versions and/or
versions that perform better. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
Personal Insurance Policies
[0133] In one aspect, a computer-implemented method of generating
or adjusting a personal insurance policy may be provided. The
method may include (1) collecting, gathering, generating, and/or
receiving data, via one or more processors (such as a local smart
home or smart vehicle controller, and/or a remote insurance
provider processor or server), related to home maintenance and/or
upgrades for an insured home of an insured; (2) collecting,
gathering, generating, and/or receiving data, via the one or more
processors, related to past vehicle maintenance for a vehicle
previously or currently owned by the insured; (3) collecting,
gathering, generating, and/or receiving data, via the one or more
processors, related to driving behavior of the insured; (4)
collecting, gathering, generating, and/or receiving data, via the
one or more processors, related to autonomous or semi-autonomous
vehicle functionality or technology usage by the insured; and/or
(5) generating, updating, and/or adjusting, via the one or more
processors, an insurance policy (such as a premium, rate, discount,
rewards or points program, etc.) based upon (a) the home
maintenance and/or upgrades for the insured home performed by the
insured; (b) past vehicle maintenance for the vehicle previously or
currently owned by the insured; (c) the driving behavior of the
insured; and/or (d) autonomous or semi-autonomous vehicle
functionality or technology usage by the insured to facilitate
providing insurance-related cost savings to the insured. The method
may include additional, fewer, or alternate actions, including
those discussed elsewhere herein.
[0134] In another aspect, a computer-implemented method of
generating or adjusting a personal insurance policy may be
provided. The method may include (1) collecting, gathering,
generating, and/or receiving data, via one or more processors (such
as a local smart home or smart vehicle controller, and/or a remote
insurance provider processor or server), related to home
maintenance and/or upgrades for an insured home of an insured; (2)
collecting, gathering, generating, and/or receiving data, via the
one or more processors, related to past vehicle maintenance for one
or more vehicles previously or currently owned by the insured; (3)
collecting, gathering, generating, and/or receiving data, via the
one or more processors, related to driving behavior of the insured;
(4) collecting, gathering, generating, and/or receiving data, via
the one or more processors, related to autonomous or
semi-autonomous vehicle functionality or technology usage by the
insured; (5) collecting, gathering, generating, and/or receiving
data, via the one or more processors, related to one or more
lifestyle characteristics and/or risky, or risk averse, behaviors
of the insured; and/or (6) generating, updating, and/or adjusting,
via the one or more processors, an insurance policy (such as a
premium, rate, discount, rewards or points program, etc.) based
upon (a) the home maintenance or upgrades for the insured home
performed by the insured; (b) past vehicle maintenance for the
vehicle previously or currently owned by the insured; (c) the
driving behavior of the insured; (d) autonomous or semi-autonomous
vehicle functionality or technology usage by the insured; and/or
(e) one or more lifestyle characteristics and/or risky, or risk
averse, behaviors of the insured to facilitate providing
insurance-related cost savings to the insured and/or to customers
that are generally risk averse. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
[0135] The insurance policy generated, updated or adjusted, via the
one or more processors, may be a life, auto, home, renters, health,
liability, and/or other type of insurance policy; a personal or
holistic insurance policy; and/or a personal insurance policy.
[0136] Methods and systems for monitoring use, determining risk,
and pricing insurance policies are provided. In one aspect, a
computer-implemented method for generating or adjusting an
insurance policy is provided. With an insurance customer's
permission, data regarding several factors associated with the
customer may be received at an insurance provider remote server via
wireless communication from their mobile device, vehicle
controller, or smart home controller. The data may be related to
(i) the customer's home, (ii) an autonomous or semi-autonomous
vehicle, and/or (iii) home and vehicle features, maintenance
history, and/or repairs performed to each over time. Risk levels
may be determined at the remote server using the data received.
Aspects of one or more insurance policies (auto, home, life, etc.)
may be adjusted based upon the risk levels. An updated insurance
discount may be transmitted from the remote server to the
customer's mobile device via wireless communication for their
review and approval. As a result, insurance discounts may be
provided to risk averse insurance customers, such as those the
routinely perform periodic maintenance on their insured assets
(such as an autonomous vehicle or home), and/or that timely repair
damage to their insured assets to mitigate further damage from
occurring, or prevent a vehicle accident from occurring when
autonomous or semi-autonomous vehicle safety features need
repair.
[0137] With the foregoing, a customer may opt into a rewards or
other type of program, and willingly share their vehicle, home, or
other data with an insurance provider. In return, risk averse
drivers and vehicle/home owners may receive discounts or insurance
cost savings related to auto, home, and other types of insurance
from the insurance provider.
Life Insurance
[0138] In one aspect, a computer-implemented method of generating
or adjusting a life insurance policy may be provided. The method
may include (1) collecting, gathering, generating, and/or receiving
data, via one or more processors (such as a local smart home or
smart vehicle controller, or mobile device, and/or a remote
insurance provider processor or server), related to driving
behavior of the insured; (2) collecting, gathering, generating,
and/or receiving data, via the one or more processors, related to
autonomous or semi-autonomous vehicle functionality or technology
usage by the insured; (3) collecting, gathering, generating, and/or
receiving data, via the one or more processors, related to one or
more lifestyle characteristics and/or risky, or risk averse,
behaviors of the insured; and/or (4) generating, updating, and/or
adjusting, via the one or more processors, a life insurance policy
(such as a premium, rate, discount, rewards or points program,
etc.) based upon (i) the driving behavior of the insured; (ii)
autonomous or semi-autonomous vehicle functionality or technology
usage by the insured; and/or (iii) one or more lifestyle
characteristics and/or risky, or risk averse, behaviors of the
insured to facilitate providing insurance-related cost savings to
the insured and/or to customers that are generally risk averse,
and/or to reflect longer life expectancy due to driver usage of
autonomous or semi-autonomous vehicle functionality or technology
proven to impact driver safety. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
Subscription Insurance Plans for Autonomous Vehicles
[0139] In one aspect, a computer-implemented method of providing
insurance as a subscription service may be provided. The method may
include (1) generating, via one or more processors (such as a local
smart home or smart vehicle controller, and/or a remote insurance
provider processor or server), one or more insurance subscription
plans and/or periodic insurance rates based upon frequency of
autonomous vehicle usage and/or frequency of renting autonomous
vehicles (such as with persons living in large cities or
communities that would rather use an autonomous vehicle taxi
service); (2) causing the one or more subscription plans and/or
periodic insurance rates, via the one or more processors, to be
presented on a computing device of an insurance customer or
potential customer (and/or otherwise transmitting, such as via
wired or wireless communication, the one or more subscription plans
and/or periodic insurance rates to the computing device) for review
and/or selection by the insurance customer or potential customer;
(3) receiving, via the one or more processors, a selection or
approval of a subscription plan and/or periodic insurance rate from
the computing device of the insurance customer or potential
customer; and/or (4) in response, issuing, via the one or more
processors, a subscription insurance plan to the insurance customer
or potential customer covering, and/or providing insurance
coverage(s) for, the usage and/or rental of the autonomous
vehicle(s). For instance, the one or more processors may transmit a
copy of the subscription insurance plan to the computing device of
the customer for the customer's review and/or records. The method
may include additional, fewer, or alternate actions, including
those discussed elsewhere herein.
[0140] The subscription insurance plan may include, and/or may have
a rate based upon, an amount of autonomous vehicle usage, such as
by amount of miles and/or time (such as by minutes, hours, or
days). The subscription insurance plan may provide, include, and/or
may be associated with, automatic routing or directions telling or
directing the autonomous vehicle to a pickup point and/or a
destination for each trip.
[0141] The subscription insurance plan charges may be based upon
(i) a route taken or directed by the insured or customer; (ii) a
time of day that the autonomous vehicle service is provided (e.g.,
peak hours versus off-peak hours); (iii) an amount of time that the
trip takes; and/or (iv) a mileage that autonomous vehicle drives to
complete delivering the insured or customer to the destination.
[0142] The subscription insurance plan charges may be based upon
features and/or capabilities of the autonomous rental vehicles,
such as insured or customer selected autonomous and/or rental
vehicles, and/or the software versions installed in those vehicles.
The subscription insurance plan may include, and/or may be
associated with, functionality that verifies the identity of the
insured as the insured enters the autonomous vehicle and/or at the
pick-up point to prevent fraudulent charges (such as via a
biometric device, communication with a mobile device of the insured
or customer, facial or voice recognition software, etc.).
Exemplary Autonomous Vehicle Insurance Risk and Price Determination
Methods
[0143] Risk profiles or risk levels associated with one or more
autonomous operation features determined above may be further used
to determine risk categories or premiums for vehicle insurance
policies covering autonomous vehicles. In some embodiments or under
some conditions, the vehicle 108 may be a fully autonomous vehicle
operating without a vehicle operator's input or presence. In other
embodiments or under other conditions, the vehicle operator may
control the vehicle 108 with or without the assistance of the
vehicle's autonomous operation features. For example, the vehicle
may be fully autonomous only above a minimum speed threshold or may
require the vehicle operator to control the vehicle during periods
of heavy precipitation. Alternatively, the autonomous vehicle may
perform all relevant control functions using the autonomous
operation features under all ordinary operating conditions. In
still further embodiments, the vehicle 108 may operate in either a
fully or a partially autonomous state, while receiving or
transmitting autonomous communications.
[0144] Where the vehicle 108 operates only under fully autonomous
control by the autonomous operation features under ordinary
operating conditions or where control by a vehicle operator may be
disregarded for insurance risk and price determination, the risk
level or premium associated with an insurance policy covering the
autonomous vehicle may be determined based upon the risks
associated with the autonomous operation features, without
reference to risks associated with the vehicle operator. Where the
vehicle 108 may be operated manually under some conditions, the
risk level or premium associated with an insurance policy covering
the autonomous vehicle may be based upon risks associated with both
the autonomous operation features and the vehicle operator
performing manual vehicle operation. Where the vehicle 108 may be
operated with the assistance of autonomous communications features,
the risk level or premium associated with an insurance policy
covering the autonomous vehicle may be determined based in part
upon a determination of the expected use of autonomous
communication features by external sources in the relevant
environment of the vehicle 108 during operation of the vehicle
108.
Data Acquisition
[0145] In one aspect, the present embodiments may relate to data
acquisition. Data may be gathered via devices employing wireless
communication technology, such as Bluetooth or other IEEE
communication standards. In one embodiment, a Bluetooth enabled
smartphone or mobile device, and/or an in-dash smart and/or
communications device may collect data. The data associated with
the vehicle, and/or vehicle or driver performance, that is gathered
or collected at, or on, the vehicle may be wirelessly transmitted
to a remote processor or server, such as a remote processor or
server associated with an insurance provider. The mobile device 110
may receive the data from the on-board computer 114 or the sensors
120, and may transmit the received data to the server 140 via the
network 130, and the data may be stored in the database 146. In
some embodiments, the transmitted data may include real-time sensor
data, a summary of the sensor data, processed sensor data,
operating data, environmental data, communication data, or a log
such data.
[0146] Data may be generated by autonomous or semi-autonomous
vehicles and/or vehicle mounted sensors (or smart sensors), and
then collected by vehicle mounted equipment or processors,
including Bluetooth devices, and/or an insurance provider remote
processor or server. The data gathered may be used to analyze
vehicle decision making. A processor may be configured to generate
data on what an autonomous or semi-autonomous vehicle would have
done in a given situation had the driver not taken over manual
control/driving of the vehicle or alternative control actions not
taken by the autonomous or semi-autonomous operation features. This
type of control decision data (related to vehicle decision making)
may be useful with respect to analyzing hypothetical
situations.
[0147] In one embodiment, an application, or other computer or
processor instructions, may interact with a vehicle to receive
and/or retrieve data from autonomous or semi-autonomous processors
and sensors. The data retrieved may be related to radar, cameras,
sensor output, computer instructions or application output. Other
data related to a smart vehicle controller, car navigation unit
information (including route history information and typical routes
taken), GPS unit information, odometer and/or speedometer
information, and smart equipment data may also be gathered or
collected. The application and/or other computer instructions may
be associated with an insurance provider remote processor or
server.
[0148] The control decision data may further include information
regarding control decisions generated by one or more autonomous
operation features within the vehicle. The operating data and
control decision data gathered, collected, and/or acquired may
facilitate remote evaluation and/or analysis of what the autonomous
or semi-autonomous vehicle was "trying to do" (brake, slow, turn,
accelerate, etc.) during operation, as well as what the vehicle
actually did do. The data may reveal decisions, and the
appropriateness thereof, made by the artificial intelligence or
computer instructions associated with one or more autonomous or
semi-autonomous vehicle technologies, functionalities, systems,
and/or pieces of equipment. The data may include information
related to what the vehicle would have done in a situation if the
driver had not taken over (beginning manual vehicle control). Such
data may include both the control actions taken by the vehicle and
control actions the autonomous or semi-autonomous operation
features would have caused the vehicle to take. Thus, in some
embodiments, the control decisions data may include information
regarding control decisions not implemented by the autonomous
operation features to control the vehicle. This may occur when an
autonomous operation feature generates a control decision or
associated control signal, but the control decision or signal is
prevented from controlling the vehicle because the autonomous
feature or function is disabled, the control decision is overridden
by the vehicle operator, the control signal would conflict with
another control signal generated by another autonomous operation
feature, a more preferred control decision is generated, and/or an
error occurs in the on-board computer 114 or the control system of
the vehicle.
[0149] For example, a vehicle operator may disable or constrain the
operation of some or all autonomous operation features, such as
where the vehicle is operated manually or semi-autonomously. The
disabled or constrained autonomous operation features may, however,
continue to receive sensor data and generate control decision data
that is not implemented. Similarly, one or more autonomous
operation features may generate more than one control decision in a
relevant period of time as alternative control decisions. Some of
these alternative control decisions may not be selected by the
autonomous operation feature or an autonomous operation control
system to control the vehicle. For example, such alternative
control decisions may be generated based upon different sets of
sensor or communication data from different sensors 120 or include
or excluding autonomous communication data. As another example, the
alternative control decisions may be generated faster than they can
be implemented by the control system of the vehicle, thus
preventing all control decisions from being implemented.
[0150] In addition to control decision data, other information
regarding the vehicle, the vehicle environment, or vehicle
operation may be collected, generated, transmitted, received,
requested, stored, and/or recorded in connection with the control
decision data. Additional operating data including sensor data from
the sensors 120, autonomous communication data from the
communication component 122 or the communication unit 220, location
data, environmental data, time data, settings data, configuration
data, and/or other relevant data may be associated with the control
decision data. In some embodiments, a database or log may store the
control decision data and associated information. In further
embodiments, the entries in such log or database may include a
timestamp indicating the date, time, location, vehicle environment,
vehicle condition, autonomous operation feature settings, and/or
autonomous operation feature configuration information associated
with each entry. Such data may facilitate evaluating the autonomous
or semi-autonomous technology, functionality, system, and/or
equipment in hypothetical situations and/or may be used to
calculate risk, and in turn adjust insurance policies, premiums,
discounts, etc.
Autonomous Vehicle Insurance Policies
[0151] The disclosure herein relates to insurance policies for
vehicles with autonomous operation features. Accordingly, as used
herein, the term "vehicle" may refer to any of a number of
motorized transportation devices. A vehicle may be a car, truck,
bus, train, boat, plane, motorcycle, snowmobile, other personal
transport devices, etc. Also as used herein, an "autonomous
operation feature" of a vehicle means a hardware or software
component or system operating within the vehicle to control an
aspect of vehicle operation without direct input from a vehicle
operator once the autonomous operation feature is enabled or
engaged. The term "autonomous vehicle" means a vehicle including at
least one autonomous operation feature. A "fully autonomous
vehicle" means a vehicle with one or more autonomous operation
features capable of operating the vehicle in the absence of or
without operating input from a vehicle operator.
[0152] Additionally, the term "insurance policy" or "vehicle
insurance policy," as used herein, generally refers to a contract
between an insurer and an insured. In exchange for payments from
the insured, the insurer pays for damages to the insured which are
caused by covered perils, acts, or events as specified by the
language of the insurance policy. The payments from the insured are
generally referred to as "premiums," and typically are paid by or
on behalf of the insured upon purchase of the insurance policy or
over time at periodic intervals. Although insurance policy premiums
are typically associated with an insurance policy covering a
specified period of time, they may likewise be associated with
other measures of a duration of an insurance policy, such as a
specified distance traveled or a specified number of trips. The
amount of the damages payment is generally referred to as a
"coverage amount" or a "face amount" of the insurance policy. An
insurance policy may remain (or have a status or state of)
"in-force" while premium payments are made during the term or
length of coverage of the policy as indicated in the policy. An
insurance policy may "lapse" (or have a status or state of
"lapsed"), for example, when the parameters of the insurance policy
have expired, when premium payments are not being paid, when a cash
value of a policy falls below an amount specified in the policy, or
if the insured or the insurer cancels the policy.
[0153] The terms "insurer," "insuring party," and "insurance
provider" are used interchangeably herein to generally refer to a
party or entity (e.g., a business or other organizational entity)
that provides insurance products, e.g., by offering and issuing
insurance policies. Typically, but not necessarily, an insurance
provider may be an insurance company. The terms "insured," "insured
party," "policyholder," and "customer" are used interchangeably
herein to refer to a person, party, or entity (e.g., a business or
other organizational entity) that is covered by the insurance
policy, e.g., whose insured article or entity is covered by the
policy. Typically, a person or customer (or an agent of the person
or customer) of an insurance provider fills out an application for
an insurance policy. In some cases, the data for an application may
be automatically determined or already associated with a potential
customer. The application may undergo underwriting to assess the
eligibility of the party and/or desired insured article or entity
to be covered by the insurance policy, and, in some cases, to
determine any specific terms or conditions that are to be
associated with the insurance policy, e.g., amount of the premium,
riders or exclusions, waivers, and the like. Upon approval by
underwriting, acceptance of the applicant to the terms or
conditions, and payment of the initial premium, the insurance
policy may be in-force, (i.e., the policyholder is enrolled).
[0154] Although the exemplary embodiments discussed herein relate
to automobile insurance policies, it should be appreciated that an
insurance provider may offer or provide one or more different types
of insurance policies. Other types of insurance policies may
include, for example, commercial automobile insurance, inland
marine and mobile property insurance, ocean marine insurance, boat
insurance, motorcycle insurance, farm vehicle insurance, aircraft
or aviation insurance, and other types of insurance products.
Other Matters
[0155] Although the text herein sets forth a detailed description
of numerous different embodiments, it should be understood that the
legal scope of the invention is defined by the words of the claims
set forth at the end of this patent. The detailed description is to
be construed as exemplary only and does not describe every possible
embodiment, as describing every possible embodiment would be
impractical, if not impossible. One could implement numerous
alternate embodiments, using either current technology or
technology developed after the filing date of this patent, which
would still fall within the scope of the claims.
[0156] In one aspect, autonomous or semi-autonomous vehicle;
telematics; interconnected home; mobile device; and/or other data,
including that discussed elsewhere herein, may be collected or
received by an insurance provider remote server, such as via direct
or indirect wireless communication or data transmission, after a
customer affirmatively consents or otherwise opts into an insurance
discount, reward, or other program. The insurance provider may then
analyze the data received with the customer's permission to provide
benefits to the customer. As a result, risk averse customers may
receive insurance discounts or other insurance cost savings based
upon data that reflects low risk behavior and/or technology that
mitigates or prevents risk to (i) insured assets, such as
autonomous or semi-autonomous vehicles, and/or (ii) autonomous or
semi-autonomous vehicle operators or passengers.
[0157] It should also be understood that, unless a term is
expressly defined in this patent using the sentence "As used
herein, the term `______` is hereby defined to mean . . . " or a
similar sentence, there is no intent to limit the meaning of that
term, either expressly or by implication, beyond its plain or
ordinary meaning, and such term should not be interpreted to be
limited in scope based upon any statement made in any section of
this patent (other than the language of the claims). To the extent
that any term recited in the claims at the end of this disclosure
is referred to in this disclosure in a manner consistent with a
single meaning, that is done for sake of clarity only so as to not
confuse the reader, and it is not intended that such claim term be
limited, by implication or otherwise, to that single meaning.
Finally, unless a claim element is defined by reciting the word
"means" and a function without the recital of any structure, it is
not intended that the scope of any claim element be interpreted
based upon the application of 35 U.S.C. .sctn. 112(f).
[0158] Throughout this specification, plural instances may
implement components, operations, or structures described as a
single instance. Although individual operations of one or more
methods are illustrated and described as separate operations, one
or more of the individual operations may be performed concurrently,
and nothing requires that the operations be performed in the order
illustrated. Structures and functionality presented as separate
components in example configurations may be implemented as a
combined structure or component. Similarly, structures and
functionality presented as a single component may be implemented as
separate components. These and other variations, modifications,
additions, and improvements fall within the scope of the subject
matter herein.
[0159] Additionally, certain embodiments are described herein as
including logic or a number of routines, subroutines, applications,
or instructions. These may constitute either software (code
embodied on a non-transitory, tangible machine-readable medium) or
hardware. In hardware, the routines, etc., are tangible units
capable of performing certain operations and may be configured or
arranged in a certain manner. In example embodiments, one or more
computer systems (e.g., a standalone, client or server computer
system) or one or more hardware modules of a computer system (e.g.,
a processor or a group of processors) may be configured by software
(e.g., an application or application portion) as a hardware module
that operates to perform certain operations as described
herein.
[0160] In various embodiments, a hardware module may be implemented
mechanically or electronically. For example, a hardware module may
comprise dedicated circuitry or logic that is permanently
configured (e.g., as a special-purpose processor, such as a field
programmable gate array (FPGA) or an application-specific
integrated circuit (ASIC) to perform certain operations. A hardware
module may also comprise programmable logic or circuitry (e.g., as
encompassed within a general-purpose processor or other
programmable processor) that is temporarily configured by software
to perform certain operations. It will be appreciated that the
decision to implement a hardware module mechanically, in dedicated
and permanently configured circuitry, or in temporarily configured
circuitry (e.g., configured by software) may be driven by cost and
time considerations.
[0161] Accordingly, the term "hardware" should be understood to
encompass a tangible entity, be that an entity that is physically
constructed, permanently configured (e.g., hardwired), or
temporarily configured (e.g., programmed) to operate in a certain
manner or to perform certain operations described herein.
Considering embodiments in which hardware is temporarily configured
(e.g., programmed), the hardware need not be configured or
instantiated at any one instance in time. Software may accordingly
configure a processor, for example, to constitute a particular
hardware module at one instance of time and to constitute a
different hardware module at a different instance of time. Hardware
elements can provide information to, and receive information from,
other hardware elements. Accordingly, the described hardware may be
regarded as being communicatively coupled.
[0162] The various operations of example methods described herein
may be performed, at least partially, by one or more processors
that are temporarily configured (e.g., by software) or permanently
configured to perform the relevant operations. Whether temporarily
or permanently configured, such processors may constitute
processor-implemented modules that operate to perform one or more
operations or functions. The modules referred to herein may, in
some example embodiments, comprise processor-implemented modules.
Similarly, the methods or routines described herein may be at least
partially processor-implemented. The performance of certain of the
operations may be distributed among the one or more processors, not
only residing within a single machine, but deployed across a number
of machines. In some example embodiments, the processor or
processors may be located in a single location (e.g., within a home
environment, an office environment or as a server farm), while in
other embodiments the processors may be distributed across a number
of locations.
[0163] Unless specifically stated otherwise, discussions herein
using words such as "processing," "computing," "calculating,"
"determining," "presenting," "displaying," or the like may refer to
actions or processes of a machine (e.g., a computer) that
manipulates or transforms data represented as physical (e.g.,
electronic, magnetic, or optical) quantities within one or more
memories (e.g., volatile memory, non-volatile memory, or a
combination thereof), registers, or other machine components that
receive, store, transmit, or display information. As used herein
any reference to "one embodiment" or "an embodiment" means that a
particular element, feature, structure, or characteristic described
in connection with the embodiment may be included in at least one
embodiment. The appearances of the phrase "in one embodiment" in
various places in the specification are not necessarily all
referring to the same embodiment. Some embodiments may be described
using the expression "coupled" and "connected" along with their
derivatives. For example, some embodiments may be described using
the term "coupled" to indicate that two or more elements are in
direct physical or electrical contact. The term "coupled," however,
may also mean that two or more elements are not in direct contact
with each other, but yet still co-operate or interact with each
other. The embodiments are not limited in this context.
[0164] As used herein, the terms "comprises," "comprising,"
"includes," "including," "has," "having" or any other variation
thereof, are intended to cover a non-exclusive inclusion. For
example, a process, method, article, or apparatus that comprises a
list of elements is not necessarily limited to only those elements
but may include other elements not expressly listed or inherent to
such process, method, article, or apparatus. Further, unless
expressly stated to the contrary, "or" refers to an inclusive or
and not to an exclusive or. In addition, use of the "a" or "an" are
employed to describe elements and components of the embodiments
herein. This is done merely for convenience and to give a general
sense of the description. In this description, and the claims that
follow, the singular also includes the plural unless it is obvious
that it is meant otherwise. This detailed description is to be
construed as exemplary only and does not describe every possible
embodiment, as describing every possible embodiment would be
impractical, if not impossible. One could implement numerous
alternate embodiments, using either current technology or
technology developed after the filing date of this application.
[0165] Upon reading this disclosure, those of skill in the art will
appreciate still additional alternative structural and functional
designs for system and a method for assigning mobile device data to
a vehicle through the disclosed principles herein. Thus, while
particular embodiments and applications have been illustrated and
described, it is to be understood that the disclosed embodiments
are not limited to the precise construction and components
disclosed herein. Various modifications, changes and variations,
which will be apparent to those skilled in the art, may be made in
the arrangement, operation and details of the method and apparatus
disclosed herein without departing from the spirit and scope
defined in the appended claims.
[0166] The particular features, structures, or characteristics of
any specific embodiment may be combined in any suitable manner and
in any suitable combination with one or more other embodiments,
including the use of selected features without corresponding use of
other features. In addition, many modifications may be made to
adapt a particular application, situation or material to the
essential scope and spirit of the present invention. It is to be
understood that other variations and modifications of the
embodiments of the present invention described and illustrated
herein are possible in light of the teachings herein and are to be
considered part of the spirit and scope of the present
invention.
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