U.S. patent application number 17/670871 was filed with the patent office on 2022-05-26 for fully autonomous vehicle insurance pricing.
This patent application is currently assigned to STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY. The applicant listed for this patent is STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY. Invention is credited to Scott T. Christensen, Scott Farris, Gregory Hayward, Blake Konrardy.
Application Number | 20220164896 17/670871 |
Document ID | / |
Family ID | 1000006138221 |
Filed Date | 2022-05-26 |
United States Patent
Application |
20220164896 |
Kind Code |
A1 |
Konrardy; Blake ; et
al. |
May 26, 2022 |
FULLY AUTONOMOUS VEHICLE INSURANCE PRICING
Abstract
Methods and systems for determining risk associated with
operation of fully autonomous vehicles are provided. According to
certain aspects, autonomous operation features associated with a
vehicle may be determined, including types and version of sensors,
control systems, and software. This information may be used to
determine a risk profile reflecting risk levels for a plurality of
features, which may be based upon test data regarding the features
or actual loss data. Expected use levels may further be determined
and used with the risk profile to determine a total risk level
associated with operation of the vehicle by the autonomous
operation features. The expected use levels may indicate expected
vehicle use, as well as traffic, weather, or other conditions in
which the vehicle is likely to operate. The total risk level may be
used to determine or adjust aspects of an insurance policy
associated with the vehicle.
Inventors: |
Konrardy; Blake;
(Bloomington, IL) ; Christensen; Scott T.; (Gibson
City, IL) ; Hayward; Gregory; (Bloomington, IL)
; Farris; Scott; (Bloomington, IL) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY |
Bloomington |
IL |
US |
|
|
Assignee: |
STATE FARM MUTUAL AUTOMOBILE
INSURANCE COMPANY
BLOOMINGTON
IL
|
Family ID: |
1000006138221 |
Appl. No.: |
17/670871 |
Filed: |
February 14, 2022 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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16431991 |
Jun 5, 2019 |
11282143 |
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17670871 |
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14951774 |
Nov 25, 2015 |
10373259 |
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16431991 |
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14713271 |
May 15, 2015 |
10089693 |
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14951774 |
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62056893 |
Sep 29, 2014 |
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62047307 |
Sep 8, 2014 |
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62035980 |
Aug 11, 2014 |
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62035878 |
Aug 11, 2014 |
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62035867 |
Aug 11, 2014 |
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62035859 |
Aug 11, 2014 |
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62035832 |
Aug 11, 2014 |
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62035780 |
Aug 11, 2014 |
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62035769 |
Aug 11, 2014 |
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62035729 |
Aug 11, 2014 |
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62035723 |
Aug 11, 2014 |
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62035669 |
Aug 11, 2014 |
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62035660 |
Aug 11, 2014 |
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62036090 |
Aug 11, 2014 |
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62035983 |
Aug 11, 2014 |
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62018169 |
Jun 27, 2014 |
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62000878 |
May 20, 2014 |
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Current U.S.
Class: |
1/1 |
Current CPC
Class: |
G06Q 40/08 20130101;
G06Q 40/00 20130101 |
International
Class: |
G06Q 40/08 20060101
G06Q040/08; G06Q 40/00 20060101 G06Q040/00 |
Claims
1. A computer system for monitoring usage of a vehicle having one
or more autonomous operation features, comprising one or more
processors and one or more program memories storing executable
instructions that cause the one or more processors to: determine a
risk profile associated with operation of the vehicle (i) under
operating environment conditions with the one or more autonomous
operation features engaged, and (ii) under operating environment
conditions with the one or more autonomous operation features
disengaged; receive a log of usage data regarding previous use of
the one or more autonomous operation features by a vehicle operator
during the operating environment conditions; determine a plurality
of expected use levels of the vehicle during the operating
environment conditions, including whether or not the vehicle
operator is expected to engage or disengage the one or more
autonomous operation features during the operating environment
conditions as determined from processor analysis of the log of
usage data; determine a risk level associated with operation of the
vehicle based upon (a) the determined risk profile, and (b) the
determined expected use levels; and cause the one or more
processors to automatically perform an action based upon the
determined risk level, wherein the action includes one or more of:
adjust an insurance policy associated with the vehicle, determine a
coverage level associated with the insurance policy, present
information regarding the determined risk level to a reviewer via a
display.
2. The system of claim 1, wherein the executable instructions
further cause the one or more processors to: estimate future usage
or operation of the vehicle during the operating environment
conditions and with each of the one or more autonomous operation
features engaged or disengaged based upon the log of usage data;
and adjust the risk level for the vehicle based upon (1) the
determined risk profile, (2) the determined expected use levels,
and (3) the estimated future usage or operation of the vehicle.
3. The system of claim 1, wherein the executable instructions
further cause the one or more processors to: estimate future usage
or operation of the vehicle, either by time or mileage, during the
operating environment conditions; and adjust the risk level for the
vehicle based upon (1) the determined risk profile, (2) the
determined expected use levels, and (3) an amount of time or miles
that the vehicle is estimated to be operated in the operating
environment conditions as indicated by the log of usage data.
4. The method of claim 1, wherein: the risk profile associated with
autonomous operation of the vehicle is based upon test result data
generated from test units corresponding to the one or more
autonomous operation features; the test result data include
responses of the test units to test inputs corresponding to test
scenarios, the test scenarios include vehicle operation with an
autonomous feature engaged during the operating environment
conditions; and the test result data are generated and recorded by
the test units disposed within one or more test vehicles in
response to sensor data from a plurality of sensors, and video
recording devices, within the one or more test vehicles.
5. The system of claim 1, wherein the risk profile associated with
autonomous operation of the vehicle is based upon actual losses
associated with insurance policies covering a plurality of other
vehicles having at least one of the one or more autonomous
operation features, the actual losses incurred through vehicle
operation in the operating environment conditions.
6. The system of claim 1, wherein receiving the log of usage data
comprises receiving the log via wireless communication from a
mobile device of the vehicle operator in communication with an
on-board computer of the vehicle, wherein the mobile device
generates the log of usage data from the data received from the
on-board computer during a vehicle trip, the log of usage data
including: a timestamp indicating a beginning of the vehicle trip,
a timestamp indicating an end of the vehicle trip, one or more
timestamps associated with engagement or disengagement of the one
or more autonomous operation features, and configuration data
associated with the one or more autonomous operation features when
engaged, and wherein the log of usage data further includes current
operating environment conditions during the vehicle trip.
7. The system of claim 1, wherein the executable instructions
further cause the one or more processors to: receive a request for
a quote of a premium associated with a vehicle insurance policy via
wireless communication; determine a premium associated with the
vehicle insurance policy based upon the risk level; and present an
option to purchase the vehicle insurance policy to the customer
associated with the vehicle.
8. The system of claim 1, wherein the log of usage data includes a
version of autonomous operation feature control software that is
currently installed on the vehicle or in the autonomous operation
feature system mounted on the vehicle.
9. The system of claim 1, wherein the executable instructions
further cause the one or more processors to: receive information
regarding a type and version of the one or more autonomous
operation features; and update the risk level associated with
autonomous operation of the vehicle based upon the type and version
of the one or more autonomous operation features.
10. The system of claim 1, wherein the one or more autonomous
operation features include a vehicle-to-vehicle (V2V) wireless
communication capability, and wherein the executable instructions
further cause the one or more processors to: receive telematics
data from other vehicles; and generate and display alternate routes
based upon the received telematics data.
11. A computer-implemented method for use in connection with a
vehicle having one or more autonomous operation features,
comprising: determining, by one or more processors, a risk profile
associated with operation of the vehicle (i) under operating
environment conditions with the one or more autonomous operation
features engaged, and (ii) under the operating environment
conditions with the one or more autonomous operation features
disengaged; receiving, at the one or more processors or an
associated transceiver, a log of usage data regarding previous use
of the one or more autonomous operation features by a vehicle
operator during the operating environment conditions; determining,
by the one or more processors, a plurality of expected use levels
of the vehicle during the operating environment conditions, wherein
the expected use levels indicate whether or not the vehicle
operator is expected to engage or disengage the one or more
autonomous operation features during the operating environment
conditions as determined from processor analysis of the log of
usage data; determining, by the one or more processors, a risk
level associated with operation of the vehicle based upon (a) the
determined risk profile, and (b) the determined expected use
levels; and causing the one or more processors to automatically
perform an action based upon the determined total risk level,
wherein the actions include one or more of: adjust an insurance
policy associated with the vehicle, determine a coverage level
associated with the insurance policy, present information regarding
the determined risk level to a reviewer via a display.
12. The computer-implemented method of claim 11, the method
comprising: estimating future usage or operation of the vehicle
during the operating environment conditions and with the one or
more autonomous operation features engaged or disengaged; and
adjusting, via the one or more processors, the risk level for the
vehicle based upon (1) the determined risk profile, (2) the
determined expected use levels, and (3) an amount of time or miles
that the vehicle is operated in the operating environment
conditions with the one or more autonomous operation features
engaged or disengaged indicated by the log of usage data.
13. The computer-implemented method of claim 11, the method
comprising: estimating future usage or operation of the vehicle,
either by time or mileage, during the operating environment
conditions; and adjusting, via the one or more processors, the risk
level for the vehicle based upon (1) the determined risk profile,
(2) the determined expected use levels, and (3) the amount of time
or miles that the vehicle is expected to be operated in the future
in the operating environment conditions.
14. The computer-implemented method of claim 11, wherein: the risk
profile associated with autonomous operation of the vehicle is
based upon test result data generated from test units corresponding
to the one or more autonomous operation features; the test result
data include responses of the test units to test inputs
corresponding to test scenarios, the test scenarios including
vehicle operation with an autonomous feature engaged during the
operating environment conditions; and the test result data are
generated and recorded by the test units disposed within one or
more test vehicles in response to sensor data from a plurality of
sensors, and video recording devices, within the one or more test
vehicles.
15. The computer-implemented method of claim 11, wherein the risk
profile associated with autonomous operation of the vehicle is
based upon actual losses associated with insurance policies
covering a plurality of other vehicles having at least one of the
one or more autonomous operation features, the actual losses
incurred through vehicle operation in the operating environment
conditions.
16. The computer-implemented method of claim 11, wherein receiving
the log of usage data regarding comprises receiving the log via
wireless communication from a mobile device of the vehicle operator
in communication with an on-board computer of the vehicle, wherein
the mobile device generates the log of usage data from the data
received from the on-board computer during a vehicle trip, the log
of usage data including: a timestamp indicating a beginning of the
vehicle trip, a timestamp indicating an end of the vehicle trip,
one or more timestamps associated with engagement or disengagement
of the one or more autonomous operation features, and configuration
data associated with the one or more autonomous operation features
when engaged, and wherein the log of usage data further includes
current operating environment conditions.
17. The method of claim 11, further comprising: receiving, at the
one or more processors or an associated transceiver, a request for
a quote of a premium associated with a vehicle insurance policy via
wireless communication; determining, by one or more processors, a
premium associated with the vehicle insurance policy based upon the
risk level; and presenting, by one or more processors, an option to
purchase the vehicle insurance policy to the customer associated
with the vehicle.
18. The method of claim 11, the method further comprising:
receiving, via the one or more processors or an associated
transceiver, information regarding a type and version of the one or
more autonomous operation features; and updating the total level
associated with autonomous operation of the vehicle, via the one or
more processors, based upon the type and version of the one or more
autonomous operation features.
19. The method of claim 11, wherein the autonomous operation
feature is a vehicle-to-vehicle (V2V) wireless communication
capability, and the method comprises: receiving, via one or more
vehicle-mounted processors or associated transceiver, telematics
data from other vehicles; and generating and displaying alternate
routes, via the one or more vehicle-mounted processors, based upon
the telematics data.
20. A computer system for monitoring usage of a vehicle having one
or more autonomous operation features, the system comprising one or
more processors and one or more program memories storing executable
instructions that cause the one or more processors to: determine a
risk profile associated with operation of the vehicle (i) under a
plurality of operating environment conditions with the one or more
autonomous operation features engaged, and (ii) under the operating
environment conditions with the one or more autonomous operation
features disengaged; receive a log of usage data regarding previous
use of the one or more autonomous operation features during the
operating environment conditions; determine from analysis of the
log of usage data a plurality of expected use levels of the vehicle
during the operating environment conditions, wherein the expected
use levels indicate whether or not the vehicle operator is expected
to engage or disengage the one or more autonomous operation
features during the operating environment conditions; determine
from analysis of the log of usage data, or from analysis of other
vehicle or telematics data received from the vehicle or mobile
device, an average amount of time or miles that the vehicle
operator operates the vehicle during the operating environment
conditions for a period of time; determine a risk level associated
with operation of the vehicle based upon (a) the determined risk
profile, (b) the determined expected use levels, and (c) the
average amount of time or miles that the vehicle operator operates
the vehicle during the operating environment conditions for the
period of time; and cause the one or more processors to
automatically perform an action based upon the determined total
risk level, wherein the action includes one or more of: adjust an
insurance policy associated with the vehicle, determine a coverage
level associated with the insurance policy, present information
regarding the determined total risk level to a reviewer via a
display.
Description
CROSS-REFERENCE TO RELATED APPLICATIONS
[0001] This application is a continuation of, and claims the
benefit of, U.S. patent application Ser. No. 14/951,774, filed Nov.
25, 2015 and entitled "Fully Autonomous Vehicle Insurance Pricing,"
which is a continuation-in-part application of U.S. patent
application Ser. No. 14/713,271, filed May 15, 2015 (now U.S. Pat.
No. 10,089,693), which claims the benefit of U.S. Provisional
Application No. 62/000,878 (filed May 20, 2014); U.S. Provisional
Application No. 62/018,169 (filed Jun. 27, 2014); U.S. Provisional
Application No. 62/035,660 (filed Aug. 11, 2014); U.S, Provisional
Application No. 62/035,669 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,723 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,729 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,769 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,780 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,832 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,859 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,867 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,878 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,980 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/035,983 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/036,090 (filed Aug. 11, 2014); U.S. Provisional
Application No. 62/047,307 (filed Sep. 8, 2014); and U.S.
Provisional Application No. 62/056,893 (filed Sep. 29, 2014). The
entirety of each of the foregoing provisional applications is
incorporated by reference herein.
[0002] Additionally, the present application is related to U.S.
patent application Ser. No. 14/951,271 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,184 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,188 (filed May 15, 2015); U.S.
patent application Ser. No. 14/978,266 (filed Dec. 22, 2015); U.S.
patent application Ser. No. 14/713,194 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,201 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,206 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,214 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,217 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,223 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,226 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,230 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,237 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,240 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,244 (filed May 15, 2015); U.S.
patent application Ser. No. 14/713,249 (May 15, 2015); U.S. patent
application Ser. No. 14/713,254 (filed May 15, 2015); U.S. patent
application Ser. No. 14/951,803 (filed Nov. 25, 2015); U.S. patent
application Ser. No. 14/713,261 (filed May 15, 2015); U.S. patent
application Ser. No. 14/951,798 (filed Nov. 25, 2015); and U.S.
patent application Ser. No. 14/713,266 (May 15, 2015).
FIELD
[0003] The present disclosure generally relates to systems and
methods for determining risk, pricing, and offering vehicle
insurance policies, specifically vehicle insurance policies where
vehicle operation is fully automated.
BACKGROUND
[0004] 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.
[0005] 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
[0006] The present embodiments may be related to autonomous or
semi-autonomous vehicle functionality, including driverless
operation or accident avoidance. These autonomous vehicle operation
features 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.
[0007] In accordance with the described embodiments, the disclosure
herein generally addresses systems and methods for determining risk
and pricing insurance for a vehicle having one or more autonomous
operation features for controlling the vehicle. A server may
receive information regarding autonomous operation features of a
vehicle, determine risks associated with the autonomous operation
features, determine expected usage of the autonomous operation
features, and/or determine the total risk associated with
autonomous operation of the vehicle. The total risk level may be
used to determine a premium for an insurance policy associated with
the vehicle, which may be determined by reference to a risk
category.
[0008] In one aspect, a computer-implemented method for determining
risk and pricing insurance for a vehicle having one or more
autonomous operation features for controlling the vehicle may be
provided. The computer-implemented method may include receiving
information regarding the one or more autonomous operation features
of the vehicle, determining a risk profile associated with
autonomous operation of the vehicle based upon, at least in part
wholly or partially), the information regarding the one or more
autonomous operation features, determining a plurality of expected
use levels of the vehicle, and/or determining a total risk level
associated with autonomous operation of the vehicle based upon, at
least in part (i.e., wholly or partially), the risk profile and the
expected use levels. The risk profile may include a plurality of
risk levels associated with autonomous operation of the vehicle
under a plurality of operating conditions, and the expected use
levels may be associated with the plurality of operating
conditions. The method may include additional, fewer, or alternate
actions, including those discussed elsewhere herein.
[0009] In another aspect, a computer system for determining risk
and pricing insurance for a vehicle having one or more autonomous
operation features for controlling the vehicle may be provided. The
computer system may include one or more processors, one or more
communication modules adapted to communicate data, and a program
memory coupled to the one or more processors and storing executable
instructions. The executable instruction may, when executed by the
one or more processors, cause the computer system to receive
information regarding the one or more autonomous operation features
of the vehicle, determine a risk profile associated with autonomous
operation of the vehicle based upon the information regarding the
one or more autonomous operation features, determine a plurality of
expected use levels of the vehicle, and/or determine a total risk
level associated with autonomous operation of the vehicle based
upon the risk profile and/or the expected use levels. The risk
profile may include a plurality of risk levels associated with
autonomous operation of the vehicle under a plurality of operating
conditions, and the expected use levels may be associated with the
plurality of operating conditions. The system may include
additional, fewer, or alternate actions, including those discussed
elsewhere herein.
[0010] In yet another aspect, a tangible, non-transitory
computer-readable medium storing instructions for determining risk
and pricing insurance for a vehicle having one or more autonomous
operation features for controlling the vehicle may be provided. The
instructions may, when executed by at least one processor of a
computer system, cause the computer system to receive information
regarding the one or more autonomous operation features of the
vehicle, determine a risk profile associated with autonomous
operation of the vehicle based upon the information regarding the
one or more autonomous operation features, determine a plurality of
expected use levels of the vehicle, and/or determine a total risk
level associated with autonomous operation of the vehicle based
upon the risk profile and the expected use levels. The risk profile
may include a plurality of risk levels associated with autonomous
operation of the vehicle under a plurality of operating conditions,
and the expected use levels may be associated with the plurality of
operating conditions. The method may include additional, fewer, or
alternate actions, including those discussed elsewhere herein.
[0011] In some methods or systems, the total risk level may be
determined without reference to factors relating to risks
associated with a vehicle operator. In such methods or system, the
total risk level may be based solely on the information regarding
the autonomous operation features or may include information
regarding the vehicle. In either case, factors relating to the
risks associated with the vehicle operator (such as age,
experience, or past operating history of the vehicle operator) may
be excluded from the determination of the total risk level.
[0012] In some further methods or systems, the information
regarding the one or more autonomous operation features may include
information or be based upon test results corresponding to the one
or more autonomous operation features. The information regarding
the one or more autonomous operation features of the vehicle may
include test results for test units corresponding to the one or
more autonomous operation features, wherein the test results may
include responses of the test units to test inputs corresponding to
test scenarios and may be generated by the test units disposed
within one or more test vehicles in response to sensor data from a
plurality of sensors within the one or more test vehicles. The
information regarding the one or more autonomous operation features
of the vehicle may further be based upon (i) test results for test
units corresponding to the one or more autonomous operation
features, which test results may include responses of the test
units to test inputs corresponding to test scenarios, and/or (ii)
actual losses associated with insurance policies covering a
plurality of other vehicles having at least one of the one or more
autonomous operation features.
[0013] The expected use levels associated with the plurality of
operating conditions also may include information regarding
expected operation of the vehicle with autonomous operation
features enabled and expected operation of the vehicle with
autonomous operation features disabled. Some methods or systems may
receive information regarding previous use of the one or more
autonomous operation features of the vehicle, and the plurality of
expected use levels may be determined, at least in part, based upon
the information regarding previous use of the one or more
autonomous operation features. In some methods or systems, the
information regarding previous use of the one or more autonomous
operation features may include one or more of the following: times,
road conditions, weather conditions, or autonomous operation
feature settings associated with the previous use of the autonomous
operation features.
[0014] In still further methods or systems, the expected use levels
may include one or more of (i) expected autonomous operation levels
of the vehicle, (ii) expected operation of the vehicle by a vehicle
operator (such as where the vehicle operator may disable the
autonomous operation features), and/or (iii) expected settings
associated with the one or more autonomous operation features. In
additional or alternative methods or systems, receiving information
regarding the one or more autonomous operation features of the
vehicle may include receiving information regarding the vehicle,
determining types of the one or more autonomous operation features,
and/or determining types of one or more sensors installed in the
vehicle based upon the information regarding the vehicle, such that
the plurality of risk levels associated with autonomous operation
of the vehicle may be determined, at least in part, based upon the
sensors installed in the vehicle.
[0015] In yet further methods or systems, the methods or systems
may receive a request for a quote of a premium associated with a
vehicle insurance policy, determine a premium associated with a
vehicle insurance policy based upon the total risk level, and/or
present an option to purchase the vehicle insurance policy to a
customer associated with the vehicle. In still further methods or
systems, the information regarding the one or more autonomous
operation features may include one or more of the following: a type
and version of the autonomous operation feature, an operation of
the autonomous operation feature, a type and version of autonomous
operation feature control software, and/or settings of the
autonomous operation feature.
BRIEF DESCRIPTION OF THE DRAWINGS
[0016] 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.
[0017] 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.
[0018] 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;
[0019] FIG. 2 illustrates a block diagram of an exemplary on-board
computer or mobile device;
[0020] FIG. 3 illustrates a flow diagram of an exemplary autonomous
vehicle operation method in accordance with the presently described
embodiments;
[0021] FIG. 4 illustrates a flow diagram of an exemplary autonomous
vehicle operation monitoring method in accordance with the
presently described embodiments;
[0022] FIG. 5 illustrates a flow diagram of an exemplary autonomous
operation feature evaluation method for determining the
effectiveness of autonomous operation features in accordance with
the presently described embodiments;
[0023] FIG. 6 illustrates a flow diagram of an exemplary autonomous
operation feature testing method for presenting test conditions to
an autonomous operation feature and observing and recording
responses to the test conditions in accordance with the presently
described embodiments;
[0024] FIG. 7 illustrates a flow diagram of an exemplary autonomous
feature evaluation method for determining the effectiveness of an
autonomous operation feature under a set of environmental
conditions, configuration conditions, and settings in accordance
with the presently described embodiments;
[0025] FIG. 8 illustrates a flow diagram depicting an exemplary
embodiment of a fully autonomous vehicle insurance pricing method
in accordance with the presently described embodiments;
[0026] FIG. 9 illustrates a flow diagram depicting an exemplary
embodiment of a partially autonomous vehicle insurance pricing
method in accordance with the presently described embodiments;
and
[0027] FIG. 10 illustrates a flow diagram depicting an exemplary
embodiment of an autonomous vehicle insurance pricing method for
determining risk and premiums for vehicle insurance policies
covering autonomous vehicles with autonomous communication features
in accordance with the presently described embodiments.
DETAILED DESCRIPTION
[0028] The systems and methods disclosed herein generally relate to
evaluating, monitoring, pricing, and processing vehicle insurance
policies for vehicles including autonomous (or semi-autonomous)
vehicle operation features. The autonomous operation features may
take full control of the vehicle wider 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). The
autonomous operation features may affect the risk related to
operating a vehicle, both individually and/or in combination. To
account for these effects on risk, some embodiments evaluate the
quality of each autonomous operation feature and/or combination of
features. This may be accomplished by testing the features and
combinations in controlled environments, as well as analyzing the
effectiveness of the features in the ordinary course of vehicle
operation. New autonomous operation features may be evaluated based
upon controlled testing and/or estimating ordinary-course
performance based upon data regarding other similar features for
which ordinary-course performance is known.
[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 at will. Therefore, some embodiments monitor
use of the autonomous operation features, which may include the
settings or levels of feature use during vehicle operation.
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.
[0030] 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
[0031] The present embodiments may relate to assessing and pricing
insurance based upon autonomous (or semi-autonomous) functionality
of a vehicle, and not the human driver. 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 driver.
[0032] 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
of how artificial intelligence, and the usage thereof, impacts
automobile accidents and/or automobile insurance claims.
[0033] 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.
[0034] 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.
[0035] 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, i.e., 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).
[0036] Automobile insurance premiums, rates, discounts, rewards,
refunds, points, etc. 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. In other words,
insurance premiums, discounts, rewards, etc. may be adjusted based
upon the percentage of vehicle usage during which the autonomous or
semi-autonomous functionality is in use. For example, automobile
insurance risk, premiums, discounts, etc. for an automobile having
one or more autonomous or semi-autonomous functionalities may be
adjusted and/or set based upon the percentage of vehicle usage that
the one or more individual autonomous or semi-autonomous vehicle
functionalities are in use, anticipated to be used or employed by
the driver, and/or otherwise operating.
[0037] 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 whether vehicle autonomous or semi-autonomous
functionality is currently 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.
[0038] In one embodiment, if the vehicle is currently employing
autonomous or semi-autonomous functionality, the vehicle may send a
Vehicle-to-Vehicle (V2V) wireless communication to a nearby vehicle
also employing the same or other type(s) of autonomous or
semi-autonomous functionality.
[0039] As an example, the V2V wireless communication from the first
vehicle to the second vehicle (following the first vehicle) may
indicate that the first vehicle is autonomously braking, and the
degree to which the vehicle is automatically braking and/or slowing
down. In response, the second vehicle may also automatically or
autonomously brake as well, and the degree of automatically braking
or slowing down of the second vehicle may be determined to match,
or even exceed, that of the first vehicle. As a result, the second
vehicle, traveling directly or indirectly, behind the first
vehicle, may autonomously safely break in response to the first
vehicle autonomously breaking.
[0040] As another example, the V2V wireless communication from the
first vehicle to the second vehicle may indicate that the first
vehicle is beginning or about to change lanes or turn. In response,
the second vehicle may autonomously take appropriate action, such
as automatically slow down, change lanes, turn, maneuver, etc. to
avoid the first vehicle.
[0041] As noted above, the present embodiments may include remotely
monitoring, in real-time and/or via wireless communication, vehicle
autonomous or semi-autonomous functionality. From such remote
monitoring, the present embodiments may remotely determine that a
vehicle accident has occurred. As a result, emergency responders
may be informed of the location of the vehicle accident, such as
via wireless communication, and/or quickly dispatched to the
accident scene.
[0042] The present embodiments may also include remotely
monitoring, in real-time or via wireless communication, that
vehicle autonomous or semi-autonomous functionality is, or is not,
in use, and/or collect information regarding the amount of usage of
the autonomous or semi-autonomous functionality. From such remote
monitoring, a remote server may remotely send a wireless
communication to the vehicle to prompt the human driver to engage
one or more specific vehicle autonomous or semi-autonomous
functionalities.
[0043] Another embodiment may enable a vehicle to wirelessly
communicate with a traffic light, railroad crossing, toll both,
marker, sign, or other equipment along the side of a road or
highway. As an example, a traffic light may wirelessly indicate to
the vehicle that the traffic light is about to switch from green to
yellow, or from yellow to red. In response to such an indication
remotely received from the traffic light, the autonomous or
semi-autonomous vehicle may automatically start to brake, and/or
present or issue a warning/alert to the human driver. After which,
the vehicle may wirelessly communicate with the vehicles traveling
behind it that the traffic light is about to change and/or that the
vehicle has started to brake or slow down such that the following
vehicles may also automatically brake or slow down accordingly.
[0044] Insurance premiums, rates, ratings, discounts, rewards,
special offers, points, programs, refunds, claims, claim amounts,
etc. 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
autonomous or semi-autonomous vehicle functionality; V2V wireless
communication-based autonomous or semi-autonomous vehicle
functionality; and/or vehicle-to-infrastructure or
infrastructure-to-vehicle wireless communication-based autonomous
or semi-autonomous vehicle functionality.
Exemplary Embodiments
[0045] Insurance providers may currently develop a set of rating
factors based upon the make, model, and model year of a vehicle.
Models with better loss experience receive lower factors, and thus
lower rates. One reason that this current rating system cannot be
used to assess risk for autonomous technology is that many
autonomous features vary for the same model. For example, two
vehicles of the same model may have different hardware features for
automatic braking, different computer instructions for automatic
steering, and/or different artificial intelligence system versions.
The current make and model rating may also not account for the
extent to which another "driver," in this case the vehicle itself,
is controlling the vehicle.
[0046] The present embodiments may assess and price insurance risks
at least in part based upon autonomous or semi-autonomous vehicle
technology that replaces actions of the driver. In a way, the
vehicle-related computer instructions and artificial intelligence
may be viewed as a "driver."
[0047] In one computer-implemented method of adjusting or
generating an insurance policy, (1) data may be captured by a
processor (such as via wireless communication) to determine the
autonomous or semi-autonomous technology or functionality
associated with a specific vehicle that is, or is to be, covered by
insurance; (2) the received data may be compared by the processor
to a stored baseline of vehicle data (such as actual accident
information, and/or autonomous or semi-autonomous vehicle testing
data); (3) risk may be identified or assessed by the processor
based upon the specific vehicle's ability to make driving decisions
and/or avoid or mitigate crashes; (4) an insurance policy may be
adjusted (or generated or created), or an insurance premium may be
determined by the processor based upon the risk identified that is
associated with the specific vehicle's autonomous or
semi-autonomous ability or abilities; and/or (5) the insurance
policy and/or premium may be presented on a display or otherwise
provided to the policyholder or potential customer for their review
and/or approval. The method may include additional, fewer, or
alternate actions, including those discussed below and elsewhere
herein.
[0048] The method may include evaluating the effectiveness of
artificial intelligence and/or vehicle technology in a test
environment, and/or using real driving experience. The
identification or assessment of risk performed by the method
(and/or the processor) may be dependent upon the extent of control
and decision making that is assumed by the vehicle, rather than the
driver.
[0049] Additionally or alternatively, the identification or
assessment of insurance and/or accident-based risk may be dependent
upon the ability of the vehicle to use external information (such
as vehicle-to-vehicle and vehicle-to-infrastructure communication)
to make driving decisions. The risk assessment may further be
dependent upon the availability of such external information. For
instance, a vehicle (or vehicle owner) may be associated with a
geographical location, such as a large city or urban area, where
such external information is readily available via wireless
communication. On the other hand, a small town or rural area may or
may not have such external information available.
[0050] The information regarding the availability of autonomous or
semi-autonomous vehicle technology, such as a particular
factory-installed hardware and/or software package, version,
revision, or update, may be wirelessly transmitted to a remote
server for analysis. The remote server may be associated with an
insurance provider, vehicle manufacturer, autonomous technology
provider, and/or other entity.
[0051] The driving experience and/or usage of the autonomous or
semi-autonomous vehicle technology may be monitored in real time,
small timeframes, and/or periodically to provide feedback to the
driver, insurance provider, and/or adjust insurance policies or
premiums. In one embodiment, information may be wirelessly
transmitted to the insurance provider, such as from a transceiver
associated with a smart car to an insurance provider remote
server.
[0052] Insurance policies, including insurance premiums, discounts,
and rewards, may be updated, adjusted, and/or determined based upon
hardware or software functionality, and/or hardware or software
upgrades. Insurance policies, including insurance premiums,
discounts, etc. may also be updated, adjusted, and/or determined
based upon the amount of usage and/or the type(s) of the autonomous
or semi-autonomous technology employed by the vehicle.
[0053] In one embodiment, performance of autonomous driving
software and/or sophistication of artificial intelligence may be
analyzed for each vehicle. An automobile insurance premium may be
determined by evaluating how effectively the vehicle may be able to
avoid and/or mitigate crashes and/or the extent to which the
driver's control of the vehicle is enhanced or replaced by the
vehicle's software and artificial intelligence.
[0054] When pricing a vehicle with autonomous driving technology,
artificial intelligence capabilities, rather than human decision
making, may be evaluated to determine the relative risk of the
insurance policy. This evaluation may be conducted using multiple
techniques. Vehicle technology may be assessed in a test
environment, in which the ability of the artificial intelligence to
detect and avoid potential crashes may be demonstrated
experimentally. For example, this may include a vehicle's ability
to detect a slow-moving vehicle ahead and/or automatically apply
the brakes to prevent a collision.
[0055] Additionally, actual loss experience of the software in
question may be analyzed. Vehicles with superior artificial
intelligence and crash avoidance capabilities may experience lower
insurance losses in real driving situations.
[0056] Results from both the test environment and/or actual
insurance losses may be compared to the results of other autonomous
software packages and/or vehicles lacking autonomous driving
technology to determine a relative risk factor (or level of risk)
for the technology in question. This risk factor (or level of risk)
may be applicable to other vehicles that utilize the same or
similar autonomous operation software package(s).
[0057] Emerging technology, such as new iterations of artificial
intelligence systems, may be priced by combining its individual
test environment assessment with actual losses corresponding to
vehicles with similar autonomous operation software packages. The
entire vehicle software and artificial intelligence evaluation
process may be conducted with respect to various technologies
and/or elements that affect driving experience. For example, a
fully autonomous vehicle may be evaluated based upon its
vehicle-to-vehicle communications. A risk factor could then be
determined and applied when pricing the vehicle. The driver's past
loss experience and/or other driver risk characteristics may not be
considered for fully autonomous vehicles, in which all driving
decisions are made by the vehicle's artificial intelligence.
[0058] In one embodiment, a separate portion of the automobile
insurance premium may be based explicitly on the artificial
intelligence software's driving performance and characteristics.
The artificial intelligence pricing model may be combined with
traditional methods for semi-autonomous vehicles. Insurance pricing
for fully autonomous, or driverless, vehicles may be based upon the
artificial intelligence model score by excluding traditional rating
factors that measure risk presented by the drivers. Evaluation of
vehicle software and/or artificial intelligence may be conducted on
an aggregate basis or for specific combinations of technology
and/or driving factors or elements (as discussed elsewhere herein).
The vehicle software test results may be combined with actual loss
experience to determine relative risk.
Exemplary Autonomous Vehicle Operation System
[0059] 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.
[0060] 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.
[0061] The mobile device 110 may be either a general-use personal
computer, cellular phone, smart phone, tablet computer, or a
dedicated vehicle use monitoring 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.
[0062] 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 unit, a radar
unit, a LIDAR unit, an ultrasonic sensor, an infrared sensor, a
camera, an accelerometer, a tachometer, 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. 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.
[0063] 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.
[0064] 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 modules 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.
[0065] In some embodiments, the front-end components 102
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. The back-end components 104 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.
[0066] 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.
[0067] 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.
[0068] 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.
[0069] FIG. 2 illustrates a block diagram of an exemplary mobile
device 110 or an exemplary on-board computer 114 consistent with
the system 100, The mobile device 110 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) interfaces with the sensors 120 to receive
information regarding the vehicle 108 and its environment, which
information is used by the autonomous operation features to operate
the vehicle 108.
[0070] 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 includes 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.
[0071] 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.
[0072] 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
module 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.
[0073] 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. 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, 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 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. Any of the plurality of software applications 230 may be
designed to operate independently of the software applications 230
or in conjunction with the software applications 230.
[0074] When implementing the exemplary autonomous vehicle operation
method 300, the controller 204 of the on-board computer 114 may
implement 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 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.
[0075] When implementing the autonomous operation feature
monitoring and evaluation methods 400-700, the controller 204 may
further implement 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,
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 the risk assessment application 144.
[0076] 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, or other
output from the controller 204 to one or more external sensors
within the vehicle 108, mobile devices 110, on-board computers 114,
or servers 140.
[0077] The mobile device 110 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
[0078] 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,
or other configurable settings relating to the operation of the
vehicle 108. 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, 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) 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 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).
[0079] After receiving the start signal at block 302, the
controller 204 receives 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 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 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 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 or may be
preprocessed to indicate vehicle movement or position. As another
example, a sensor 120 comprising a radar 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.
[0080] The autonomous vehicle operation application 232 or other
applications 230 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 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).
[0081] 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 or the communication module 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.
[0082] 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). Alternatively, the vehicle operator
may pause, terminate, 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.
[0083] 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, 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 or take
other appropriate action.
Exemplary Monitoring Method
[0084] FIG. 4 is a flow diagram depicting an exemplary autonomous
vehicle operation monitoring method 400, which may be implemented
by the autonomous vehicle insurance system 100. The method 400
monitors the operation of the vehicle 108 and transmits information
regarding the vehicle 108 to the server 140, which information may
then be used to determine autonomous operation feature
effectiveness or usage rates to assess risk and price vehicle
insurance policy premiums. The method 400 may be used both for
testing autonomous operation features in a controlled environment
of for determining feature use by an insured party. In alternative
embodiments, the method 400 may be implemented whenever the vehicle
108 is in operation (manual or autonomous) or only when the
autonomous operation features are enabled. The method 400 may
likewise be implemented as either a real-time process, in which
information regarding the vehicle 108 is communicated to the server
140 while monitoring is ongoing, or as a periodic process, in which
the information is stored within the vehicle 108 and communicated
to the server 140 at intervals (e.g., upon completion of a trip or
when an incident occurs). In some embodiments, the method 400 may
communicate with the server 140 in real-time when certain
conditions exist (e.g., when a sufficient data connection through
the network 130 exists or when no roaming charges would be
incurred).
[0085] The method 400 may begin at block 402 when the controller
204 receives an indication of vehicle operation. The indication may
be generated when the vehicle 108 is started or when an autonomous
operation feature is enabled by the controller 204 or by input from
the vehicle operator. In response to receiving the indication, the
controller 204 may create a timestamp at block 404. The timestamp
may include information regarding the date, time, location, vehicle
environment, vehicle condition, and autonomous operation feature
settings or configuration information. The date and time may be
used to identify one vehicle trip or one period of autonomous
operation feature use, in addition to indicating risk levels due to
traffic or other factors. The additional location and environmental
data may include information regarding the position of the vehicle
108 from the GPS unit 206 and its surrounding environment (e.g.,
road conditions, weather conditions, nearby traffic conditions,
type of road, construction conditions, presence of pedestrians,
presence of other obstacles, availability of autonomous
communications from external sources, etc.). Vehicle condition
information may include information regarding the type, make, and
model of the vehicle 108, the age or mileage of the vehicle 108,
the status of vehicle equipment (e.g., tire pressure,
non-functioning lights, fluid levels, etc.), or other information
relating to the vehicle 108. In some embodiments, the timestamp may
be recorded on the client device 114, the mobile device 110, or the
server 140.
[0086] The autonomous operation feature settings may correspond to
information regarding the autonomous operation features, such as
those described above with reference to the autonomous vehicle
operation method 300. The autonomous operation feature
configuration information may correspond to information regarding
the number and type of the sensors 120, the disposition of the
sensors 120 within the vehicle 108, the one or more autonomous
operation features (e.g., the autonomous vehicle operation
application 232 or the software routines 240), autonomous operation
feature control software, versions of the software applications 230
or routines 240 implementing the autonomous operation features, or
other related information regarding the autonomous operation
features. For example, the configuration information may include
the make and model of the vehicle 108 (indicating installed sensors
120 and the type of on-board computer 114), an indication of a
malfunctioning or obscured sensor 120 in part of the vehicle 108,
information regarding additional after-market sensors 120 installed
within the vehicle 108, a software program type and version for a
control program installed as an application 230 on the on-board
computer 114, and software program types and versions for each of a
plurality of autonomous operation features installed as
applications 230 or routines 240 in the program memory 208 of the
on-board computer 114.
[0087] During operation, the sensors 120 may venerate sensor data
regarding the vehicle 108 and its environment. In some embodiments,
one or more of the sensors 120 may preprocess the measurements and
communicate the resulting processed data to the on-board computer
114. The controller 204 may receive sensor data from the sensors
120 at block 406. The sensor data may include information regarding
the vehicle's position, speed, acceleration, direction, and
responsiveness to controls. The sensor data may further include
information regarding the location and movement of obstacles or
obstructions (e.g., other vehicles, buildings, barriers,
pedestrians, animals, trees, or gates), weather conditions (e.g.,
precipitation, wind, visibility, or temperature), road conditions
(e.g., lane markings, potholes, road material, traction, or slope),
signs or signals (e.g., traffic signals, construction signs,
building signs or numbers, or control gates), or other information
relating to the vehicle's environment.
[0088] In addition to receiving sensor data. from the sensors 120,
in some embodiments the controller 204 may receive autonomous
communication data from the communication component 122 or the
communication module 220 at block 408. The communication data may
include information from other autonomous vehicles (e.g., sudden
changes to vehicle speed or direction, intended vehicle paths, hard
braking, vehicle failures, collisions, or maneuvering or stopping
capabilities), infrastructure (road or lane boundaries, bridges,
traffic signals, control gates, or emergency stopping areas), or
other external sources (e.g., map databases, weather databases, or
traffic and accident databases).
[0089] At block 410, the controller 204 may process the sensor
data, the communication data, and the settings or configuration
information to determine whether an incident has occurred.
Incidents may include collisions, hard braking, hard acceleration,
evasive maneuvering, loss of traction, detection of objects within
a threshold distance from the vehicle 108, alerts presented to the
vehicle operator, component failure, inconsistent readings from
sensors 120, or attempted unauthorized access to the on-board
computer by external sources. When an incident is determined to
have occurred at block 412, information regarding the incident and
the vehicle status may be recorded at block 414, either in the data
storage 228 or the database 146. The information recorded at block
414 may include sensor data, communication data, and settings or
configuration information prior to, during, and immediately
following the incident. The information may further include a
determination of whether the vehicle 108 has continued operating
(either autonomously or manually) or whether the vehicle 108 is
capable of continuing to operate in compliance with applicable
safety and legal requirements. If the controller 204 determines
that the vehicle 108 has discontinued operation or is unable to
continue operation at block 416, the method 400 may terminate. If
the vehicle 108 continues operation, then the method 400 may
continue at block 418.
[0090] In some embodiments, the controller 204 may further
determine information regarding the likely cause of a collision or
other incident. Alternatively, or additionally, the server 140 may
receive information regarding an incident from the on-board
computer 114 and determine relevant additional information
regarding the incident from the sensor data. For example, the
sensor data may be used to determine the points of impact on the
vehicle 108 and another vehicle involved in a collision, the
relative velocities of each vehicle, the road conditions at the
time of the incident, and the likely cause or the party likely at
fault. This information may be used to determine risk levels
associated with autonomous vehicle operation, as described below,
even where the incident is not reported to the insurer.
[0091] At block 418, the controller 204 may determine whether a
change or adjustment to one or more of the settings or
configuration of the autonomous operation features has occurred.
Changes to the settings may include enabling or disabling an
autonomous operation feature or adjusting the feature's parameters
(e.g., resetting the speed on an adaptive cruise control feature).
If the settings or configuration are determined to have changed,
the new settings or configuration may be recorded at block 422,
either in the data storage 228 or the database 146.
[0092] At block 424, the controller 204 may record the operating
data relating to the vehicle 108 in the data storage 228 or
communicate the operating data to the server 140 via the network
130 for recordation in the database 146. The operating data may
include the settings or configuration information, the sensor data,
and the communication data discussed above. In some embodiments,
operating data related to normal autonomous operation of the
vehicle 108 may be recorded. In other embodiments, only operating
data related to incidents of interest may be recorded, and
operating data related to normal operation may not be recorded. In
still other embodiments, operating data may be stored in the data
storage 228 until a sufficient connection to the network 130 is
established, but some or all types of incident information may be
transmitted to the server 140 using any available connection via
the network 130.
[0093] At block 426, the controller 204 may determine whether the
vehicle 108 is continuing to operate. In some embodiments, the
method 400 may terminate when all autonomous operation features are
disabled, in which case the controller 204 may determine whether
any autonomous operation features remain enabled at block 426. When
the vehicle 108 is determined to be operating (or operating with at
least one autonomous operation feature enabled) at block 426, the
method 400 may continue through blocks 406-426 until vehicle
operation has ended. When the vehicle 108 is determined to have
ceased operating (or is operating without autonomous operation
features enabled) at block 426, the controller 204 may record the
completion of operation at block 428, either in the data storage
228 or the database 146. In some embodiments, a second timestamp
corresponding to the completion of vehicle operation may likewise
be recorded, as above.
Exemplary Evaluation Methods
[0094] FIG. 5 illustrates a flow diagram of an exemplary autonomous
operation feature evaluation method 500 for determining the
effectiveness of autonomous operation features, which may be
implemented by the autonomous vehicle insurance system 100. The
method 500 begins by monitoring and recording the responses of an
autonomous operation feature in a test environment at block 502.
The test results are then used to determine a plurality of risk
levels for the autonomous operation feature corresponding to the
effectiveness of the feature in situations involving various
conditions, configurations, and settings at block 504. Once a
baseline risk profile of the plurality of risk levels has been
established at block 504, the method 500 may refine or adjust the
risk levels based upon operating data and actual losses for insured
autonomous vehicles operation outside the test environment in
blocks 506-510. Although FIG. 5 shows the method for only one
autonomous operation feature, it should be understood that the
method 500 may be performed to evaluate each of any number of
autonomous operation features or combinations of autonomous
operation features. In some embodiments, the method 500 may be
implemented for a plurality of autonomous operation features
concurrently on multiple servers 140 or at different times on one
or more servers 140.
[0095] At block 502, the effectiveness of an autonomous operation
feature is tested in a controlled testing environment by presenting
test conditions and recording the responses of the feature. The
testing environment may include a physical environment in which the
autonomous operation feature is tested in one or more vehicles 108.
Additionally, or alternatively, the testing environment may include
a virtual environment implemented on the server 140 or another
computer system in which the responses of the autonomous operation
feature are simulated. Physical or virtual testing may be performed
for a plurality of vehicles 108 and sensors 120 or sensor
configurations, as well as for multiple settings of the autonomous
operation feature. In some embodiments, the compatibility or
incompatibility of the autonomous operation feature with vehicles
108, sensors 120, communication units 122, on-board computers 114,
control software, or other autonomous operation features may be
tested by observing and recording the results of a plurality of
combinations of these with the autonomous operation feature. For
example, an autonomous operation feature may perform well in
congested city traffic conditions, but that will be of little use
if it is installed in an automobile with control software that
operates only above 30 miles per hour. Additionally, some
embodiments may further test the response of autonomous operation
features or control software to attempts at unauthorized access
(e.g., computer hacking attempts), which results may be used to
determine the stability or reliability of the autonomous operation
feature or control software.
[0096] The test results may be recorded by the server 140. The test
results may include responses of the autonomous operation feature
to the test conditions, along with configuration and setting data,
which may be received by the on-board computer 114 and communicated
to the server 140. During testing, the on-board computer 114 may be
a special-purpose computer or a general-purpose computer configured
for generating or receiving information relating to the responses
of the autonomous operation feature to test scenarios. In some
embodiments, additional sensors may be installed within the vehicle
108 or in the vehicle environment to provide additional information
regarding the response of the autonomous operation feature to the
test conditions, which additional sensors may not provide sensor
data to the autonomous operation feature.
[0097] In some embodiments, new versions of previously tested
autonomous operation features may not be separately tested, in
which case the block 502 may not be present in the method 500. In
such embodiments, the server 140 may determine the risk levels
associated with the new version by reference to the risk profile of
the previous version of the autonomous operation feature in block
504, which may be adjusted based upon actual losses and operating
data in blocks 506-510. In other embodiments, each version of the
autonomous operation feature may be separately tested, either
physically or virtually. Alternatively, or additionally, a limited
test of the new version of the autonomous operation feature may be
performed and compared to the test results of the previous version,
such that additional testing may not be performed when the limited
test results of the new version are within a predetermined range
based upon the test results of the previous version.
[0098] FIG. 6 illustrates a flow diagram of an exemplary autonomous
operation feature testing method 600 for presenting test conditions
to an autonomous operation feature and observing and recording
responses to the test conditions in accordance with the method 500.
Although the method 600 is illustrated for one autonomous operation
feature, it should be understood that the exemplary method 600 may
be performed to test any number of features or combinations of
features. At block 602, the server 140 may determine the scope of
the testing based upon the autonomous operation feature and the
availability of test results for related or similar autonomous
operation features (e.g., previous versions of the feature). The
scope of the testing may include parameters such as configurations,
settings, vehicles 108, sensors 120, communication units 122,
on-board computers 114, control software, other autonomous
operation features, or combinations of these parameters to be
tested.
[0099] At block 604, the autonomous operation feature is enabled
within a test system with a set of parameters determined in block
602. The test system may be a vehicle 108 or a computer simulation,
as discussed above. The autonomous operation feature or the test
system may be configured to provide the desired parameter inputs to
the autonomous operation feature. For example, the controller 204
may disable a number of sensors 120 or may provide only a subset of
available sensor data to the autonomous operation feature for the
purpose of testing the feature's response to certain
parameters.
[0100] At block 606, test inputs are presented to the autonomous
operation feature, and responses of the autonomous operation
feature are observed at block 608. The test inputs may include
simulated data presented by the on-board computer 114 or sensor
data from the sensors 120 within the vehicle 108. In some
embodiments, the vehicle 108 may be controlled within a physical
test environment by the on-board computer 114 to present desired
test inputs through the sensors 120. For example, the on-board
computer 114 may control the vehicle 108 to maneuver near
obstructions or obstacles, accelerate, or change directions to
trigger responses from the autonomous operation feature. The test
inputs may also include variations in the environmental conditions
of the vehicle 108, such as by simulating weather conditions that
may affect the performance of the autonomous operation feature
(e.g., snow or ice cover on a roadway, rain, or gusting crosswinds,
etc.).
[0101] In some embodiments, additional vehicles may be used to test
the responses of the autonomous operation feature to moving
obstacles. These additional vehicles may likewise be controlled by
on-board computers or remotely by the server 140 through the
network 130. In some embodiments, the additional vehicles may
transmit autonomous communication information to the vehicle 108,
which may be received by the communication component 122 or the
communication unit 220 and presented to the autonomous operation
feature by the on-board computer 114. Thus, the response of the
autonomous operation feature may be tested with and without
autonomous communications from external sources. The responses of
the autonomous operation feature may be observed as output signals
from the autonomous operation feature to the on-board computer 114
or the vehicle controls. Additionally, or alternatively, the
responses may be observed by sensor data from the sensors 120 and
additional sensors within the vehicle 108 or placed within the
vehicle environment.
[0102] At block 610, the observed responses of the autonomous
operation feature are recorded for use in determining effectiveness
of the feature. The responses may be recorded in the data storage
228 of the on-board computer 114 or in the database 146 of the
server 140. If the responses are stored on the on-board computer
114 during testing, the results may be communicated to the server
140 via the network either during or after completion of
testing.
[0103] At block 612, the on-board computer 114 or the server 140
may determine whether the additional sets of parameters remain for
which the autonomous operation feature is to be tested, as
determined in block 602. When additional parameter sets are
determined to remain at block 612, they are separately tested
according to blocks 604-610. When no additional parameter sets are
determined to exist at block 612, the method 600 terminates.
[0104] Referring again to FIG. 5, the server 140 may determine a
baseline risk profile for the autonomous operation feature from the
recorded test results at block 504, including a plurality of risk
levels corresponding to a plurality of sets of parameters such as
configurations, settings, vehicles 108, sensors 120, communication
units 122, on-board computers 114, control software, other
autonomous operation features, or combinations of these. The server
140 may determine the risk levels associated with the autonomous
operation feature by implementing the feature evaluation
application 142 to determine the effectiveness of the feature. In
some embodiments, the server 140 may further implement the
compatibility evaluation application 143 to determine the
effectiveness of combinations of features based upon test results
and other information. Additionally, or alternatively, in sonic
embodiments, the baseline risk profile may not depend upon the
type, make, model, year, or other aspect of the vehicle 108. In
such embodiments, the baseline risk profile and adjusted risk
profiles may correspond to the effectiveness or risk levels
associated with the autonomous operation features across a range of
vehicles, disregarding any variations in effectiveness or risk
levels associated with operation of the features in different
vehicles.
[0105] FIG. 7 illustrates a flow diagram of an exemplary autonomous
feature evaluation method 700 for determining the effectiveness of
an autonomous operation feature under a set of environmental
conditions, configuration conditions, and settings. Although the
method 700 shows determination of a risk level associated with an
autonomous operation feature within one set of parameters, it
should be understood that the method 700 may be implemented for any
number of sets of parameters for any number of autonomous features
or combinations thereof.
[0106] At block 702, the server 140 receives the test result data
observed and recorded in block 502 for the autonomous operation
feature in conjunction with a set of parameters. In some
embodiments, the rest result data may be received from the on-board
computer 114 or from the database 146. In addition, in some
embodiments, the server 140 may receive reference data for other
autonomous operation features in use on insured autonomous vehicles
at block 704, such as test result data and corresponding actual
loss or operating data for the other autonomous operation features.
The reference data received at block 704 may limited to data for
other autonomous operation features having sufficient similarity to
the autonomous operation feature being evaluated, such as those
performing a similar function, those with similar test result data,
or those meeting a minimum threshold level of actual loss or
operating data.
[0107] Using the test result data received at block 702 and the
reference data received at block 704, the server 140 determines the
expected actual loss or operating data for the autonomous operation
feature at block 706. The server 140 may determine the expected
actual loss or operating data using known techniques, such as
regression analysis or machine learning tools (e.g., neural network
algorithms or support vector machines). The expected actual loss or
operating data may be determined using any useful metrics, such as
expected loss value, expected probabilities of a plurality of
collisions or other incidents, expected collisions per unit time or
distance traveled by the vehicle, etc.
[0108] At block 708, the server 140 may further determine a risk
level associated with the autonomous operation feature in
conjunction with the set of parameters received in block 702. The
risk level may be a metric indicating the risk of collision,
malfunction, or other incident leading to a loss or claim against a
vehicle insurance policy covering a vehicle in which the autonomous
operation feature is functioning. The risk level may be defined in
various alternative ways, including as a probability of loss per
unit time or distance traveled, a percentage of collisions avoided,
or a score on a fixed scale. In a preferred embodiment, the risk
level is defined as an effectiveness rating score such that a
higher score corresponds to a lower risk of loss associated with
the autonomous operation feature.
[0109] Referring again to FIG. 5, the method 700 may be implemented
for each relevant combination of an autonomous operation feature in
conjunction with a set of parameters relating to environmental
conditions, configuration conditions, and settings. It may be
beneficial in some embodiments to align the expected losses or
operating data metrics with loss categories for vehicle insurance
policies. Once the baseline risk profile is determined for the
autonomous operation feature, the plurality of risk levels in the
risk profile may be updated or adjusted in blocks 506-510 using
actual loss and operating data from autonomous vehicles operating
in the ordinary course, viz. not in a test environment.
[0110] At block 506, the server 140 may receive operating data from
one or more vehicles 108 via the network 130 regarding operation of
the autonomous operation feature. The operating data may include
the operating data discussed above with respect to monitoring
method 400, including information regarding the vehicle 108, the
vehicle's environment, the sensors 120, communications for external
sources, the type and version of the autonomous operation feature,
the operation of the feature, the configuration and settings
relating to the operation of the feature, the operation of other
autonomous operation features, control actions performed by the
vehicle operator, or the location and time of operation. The
operating data may be received by the server 140 from the on-board
computer 114 or the mobile device 110 implementing the monitoring
method 400 or from other sources, and the server 140 may receive
the operating data either periodically or continually.
[0111] At block 508, the server 140 may receive data regarding
actual losses on autonomous vehicles that included the autonomous
operation feature. This information may include claims filed
pursuant to insurance policies, claims paid pursuant to insurance
policies, accident reports filed with government agencies, or data
from the sensors 120 regarding incidents (e.g., collisions, alerts
presented, etc.). This actual loss information may further include
details such as date, time, location, traffic conditions, weather
conditions, road conditions, vehicle speed, vehicle heading,
vehicle operating status, autonomous operation feature
configuration and settings, autonomous communications transmitted
or received, points of contact in a collision, velocity and
movements of other vehicles, or additional information relevant to
determining the circumstances involved in the actual loss.
[0112] At block 510, the server 140 may process the information
received at blocks 506 and 508 to determine adjustments to the risk
levels determined at block 504 based upon actual loss and operating
data for the autonomous operation feature. Adjustments may be
necessary because of factors such as sensor failure, interference
disrupting autonomous communication, better or worse than expected
performance in heavy traffic conditions, etc. The adjustments to
the risk levels may be made by methods similar to those used to
determine the baseline risk profile for the autonomous operation
feature or by other known methods (e.g., Bayesian updating
algorithms). The updating procedure of blocks 506-510 may be
repeatedly implemented periodically or continually as new data
become available to refine and update the risk levels or risk
profile associated with the autonomous operation feature. In
subsequent iterations, the most recently updated risk profile or
risk levels may be adjusted, rather than the initial baseline risk
profile or risk levels determined in block 504.
Exemplary Autonomous Vehicle Insurance Risk and Price Determination
Methods
[0113] The 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. FIGS. 8-10 illustrate flow
diagrams of exemplary embodiments of methods for determining risk
associated with an autonomous vehicle or premiums for vehicle
insurance policies covering an autonomous vehicle. In some
embodiments or under some conditions, the autonomous vehicle 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 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.
[0114] 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 method
800 may be implemented to determine the risk level or premium
associated with an insurance policy covering the autonomous
vehicle. Where the vehicle 108 may be operated manually under some
conditions, the method 900 may be implemented to determine the risk
level or premium associated with an insurance policy covering the
autonomous vehicle, including a determination of the risks
associated with the vehicle operator performing manual vehicle
operation. Where the vehicle 108 may be operated with the
assistance of autonomous communications features, the method 1000
may be implemented to determine the risk level or premium
associated with an insurance policy covering the autonomous
vehicle, including 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.
[0115] FIG. 8 illustrates a flow diagram depicting an exemplary
embodiment of a fully autonomous vehicle insurance pricing method
800, which may be implemented by the autonomous vehicle insurance
system 100. The method 800 may be implemented by the server 140 to
determine a risk level or price for a vehicle insurance policy
covering a fully autonomous vehicle based upon the risk profiles of
the autonomous operation features in the vehicle. It is important
to note that the risk category or price is determined without
reference to factors relating to risks associated with a vehicle
operator (e.g., age, experience, prior history of vehicle
operation). Instead, the risk and price may be determined based
upon the vehicle 108, the location and use of the vehicle 108, and
the autonomous operation features of the vehicle 108.
[0116] At block 802, the server 140 receives a request to determine
a risk category or premium associated with a vehicle insurance
policy for a fully autonomous vehicle. The request may be caused by
a vehicle operator or other customer or potential customer of an
insurer, or by an insurance broker or agent. The request may also
be generated automatically (e.g., periodically for repricing or
renewal of an existing vehicle insurance policy). In some
instances, the server 140 may generate the request upon the
occurrence of specified conditions.
[0117] At block 804, the server 140 receives information regarding
the vehicle 108, the autonomous operation features installed within
the vehicle 108, and anticipated or past use of the vehicle 108.
The information may include vehicle information (e.g., type, make,
model, year of production, safety features, modifications,
installed sensors, on-board computer information, etc.), autonomous
operation features (e.g., type, version, connected sensors,
compatibility information, etc.), and use information (e.g.,
primary storage location, primary use, primary operating time, past
use as monitored by an on-board computer or mobile device, past use
of one or more vehicle operators of other vehicles, etc.). The
information may be provided by a person having an interest in the
vehicle, a customer, or a vehicle operator, and/or the information
may be provided in response to a request for the information by the
server 140. Alternatively, or additionally, the server 140 may
request or receive the information from one or more databases
communicatively connected to the server 140 through the network
130, which may include databases maintained by third parties (e.g.,
vehicle manufacturers or autonomous operation feature
manufacturers). In some embodiments, information regarding the
vehicle 108 may be excluded, in which case the risk or premium
determinations below may likewise exclude the information regarding
the vehicle 108.
[0118] At block 806, the server 140 may determine the risk profile
or risk levels associated with the vehicle 108 based upon the
vehicle information and the autonomous operation feature
information received at block 804. The risk levels associated with
the vehicle 108 may be determined as discussed above with respect
to the method 500 and/or may be determined by looking up in a
database the risk level information previously determined. In some
embodiments, the information regarding the vehicle may be given
little or no weight in determining the risk levels. In other
embodiments, the risk levels may be determined based upon a
combination of the vehicle information and the autonomous operation
information. As with the risk levels associated with the autonomous
operation features discussed above, the risk levels associated with
the vehicle may correspond to the expected losses or incidents for
the vehicle based upon its autonomous operation features,
configuration, settings, and/or environmental conditions of
operation. For example, a vehicle may have a risk level of 98%
effectiveness when on highways during fair weather days and a risk
level of 87% effectiveness when operating on city streets at night
in moderate rain. A plurality of risk levels associated with the
vehicle may be combined with estimates of anticipated vehicle use
conditions to determine the total risk associated with the
vehicle.
[0119] At block 808, the server 140 may determine the expected use
of the vehicle 108 in the relevant conditions or with the relevant
settings to facilitate determining a total risk for the vehicle
108. The server 140 may determine expected vehicle use based upon
the use information received at block 804, which may include a
history of prior use recorded by the vehicle 108 and/or another
vehicle. For example, recorded vehicle use information may indicate
that 80% of vehicle use occurs during weekday rush hours in or near
a large city, that 20% occurs on nights and weekends. From this
information, the server 140 may determine that 80% (75%, 90%, etc.)
of the expected use of the vehicle 108 is in heavy traffic and that
20% (25%, 10%, etc.) is in light traffic. The server 140 may
further determine that vehicle use is expected to be 60% on limited
access highways and 40% on surface streets. Based upon the
vehicle's typical storage location, the server 140 may access
weather data for the location to determine expected weather
conditions during the relevant times. For example, the server 140
may determine that 20% of the vehicle's operation on surface
streets in heavy traffic will occur in rain or snow. In a similar
manner, the server 140 may determine a plurality of sets of
expected vehicle use parameters corresponding to the conditions of
use of the vehicle 108. These conditions may further correspond to
situations in which different autonomous operation features may be
engaged and/or may be controlling the vehicle. Additionally, or
alternatively, the vehicle use parameters may correspond to
different risk levels associated with the autonomous operation
features. In some embodiments, the expected vehicle use parameters
may be matched to the most relevant vehicle risk level parameters,
viz. the parameters corresponding to vehicle risk levels that have
the greatest predictive effect and/or explanatory power.
[0120] At block 810, the server 140 may use the risk levels
determined at block 806 and the expected vehicle use levels
determined at block 808 to determine a total expected risk level.
To this end, it may be advantageous to attempt to match the vehicle
use parameters as closely as possible to the vehicle risk level
parameters. For example, the server 140 may determine the risk
level associated with each of a plurality of sets of expected
vehicle use parameters. In some embodiments, sets of vehicle use
parameters corresponding to zero or negligible (e.g., below a
predetermined threshold probability) expected use levels may be
excluded from the determination for computational efficiency. The
server 140 may then weight the risk levels by the corresponding
expected vehicle use levels, and aggregate the weighted risk levels
to obtain a total risk level for the vehicle 108. In some
embodiments, the aggregated weighted risk levels may be adjusted or
normalized to obtain the total risk level for the vehicle 108. In
some embodiments, the total risk level may correspond to a
regulatory risk category or class of a relevant insurance
regulator.
[0121] At block 812, the server 140 may determine one or more
premiums for vehicle insurance policies covering the vehicle 108
based upon the total risk level determined at block 810. These
policy premiums may also be determine based upon additional
factors, such as coverage type and/or amount, expected cost to
repair or replace the vehicle 108, expected cost per claim for
liability in the locations where the vehicle 108 is typically used,
discounts for other insurance coverage with the same insurer,
and/or other factors unrelated to the vehicle operator. In some
embodiments, the server 140 may further communicate the one or more
policy premiums to a customer, broker, agent, or other requesting
person or organization via the network 130. The server 140 may
further store the one or more premiums in the database 146.
[0122] FIG. 9 illustrates a flow diagram depicting an exemplary
embodiment of a partially autonomous vehicle insurance pricing
method 900, which may be implemented by the autonomous vehicle
insurance system 100 in a manner similar to that of the method 800.
The method 900 may be implemented by the server 140 to determine a
risk category and/or price for a vehicle insurance policy covering
an autonomous vehicle based upon the risk profiles of the
autonomous operation features in the vehicle and/or the expected
use of the autonomous operation features. In addition to
information regarding the vehicle 108 and the autonomous operation
features, the method 900 includes information regarding the vehicle
operator, including information regarding the expected use of the
autonomous operation features and/or the expected settings of the
features under various conditions. Such additional information is
relevant where the vehicle operator may control the vehicle 108
under some conditions and/or may determine settings affecting the
effectiveness of the autonomous operation features.
[0123] At block 902, the server 140 may receive a request to
determine a risk category and/or premium associated with a vehicle
insurance policy for an autonomous vehicle in a manner similar to
block 802 described above. At block 904, the server 140 likewise
receives information regarding the vehicle 108, the autonomous
operation features installed within the vehicle 108, and/or
anticipated or past use of the vehicle 108. The information
regarding anticipated or past use of the vehicle 108 may include
information regarding past use of one or more autonomous operation
features, and/or settings associated with use of the features. For
example, this may include times, road conditions, and/or weather
conditions when autonomous operation features have been used, as
well as similar information for past vehicle operation when the
features have been disabled. In some embodiments, information
regarding the vehicle 108 may be excluded, in which case the risk
or premium determinations below may likewise exclude the
information regarding the vehicle 108. At block 906, the server 140
may receive information related to the vehicle operator, including
standard information of a type typically used in actuarial analysis
of vehicle operator risk (e.g., age, location, years of vehicle
operation experience, and/or vehicle operating history of the
vehicle operator).
[0124] At block 908, the server 140 may determine the risk profile
or risk levels associated with the vehicle 108 based upon the
vehicle information and the autonomous operation feature
information received at block 904. The risk levels associated with
the vehicle 108 may be determined as discussed above with respect
to the method 500 and/or as further discussed with respect to
method 800.
[0125] At block 910, the server 140 may determine the expected
manual and/or autonomous use of the vehicle 108 in the relevant
conditions and/or with the relevant settings to facilitate
determining a total risk for the vehicle 108. The server 140 may
determine expected vehicle use based upon the use information
received at block 904, which may include a history of prior use
recorded by the vehicle 108 and/or another vehicle for the vehicle
operator. Expected manual and autonomous use of the vehicle 108 may
be determined in a manner similar to that discussed above with
respect to method 800, but including an additional determination of
the likelihood of autonomous and/or manual operation by the vehicle
operation under the various conditions. For example, the server 140
may determine based upon past operating data that the vehicle
operator manually controls the vehicle 108 when on a limited-access
highway only 20% of the time in all relevant environments, but the
same vehicle operator controls the vehicle 60% of the time on
surface streets outside of weekday rush hours and 35% of the time
on surface streets during weekday rush hours. These determinations
may be used to further determine the total risk associated with
both manual and/or autonomous vehicle operation.
[0126] At block 912, the server 140 may use the risk levels
determined at block 908 and the expected vehicle use levels
determined at block 910 to determine a total expected risk level,
including both manual and autonomous operation of the vehicle 108.
The autonomous operation risk levels may be determined as above
with respect to block 810. The manual operation risk levels may be
determined in a similar manner, but the manual operation risk may
include risk factors related to the vehicle operator. In some
embodiments, the manual operation risk may also be determined based
upon vehicle use parameters and/or related autonomous operation
feature risk levels for features that assist the vehicle operator
in safely controlling the vehicle. Such features may include
alerts, warnings, automatic braking for collision avoidance, and/or
similar features that may provide information to the vehicle
operator or take control of the vehicle from the vehicle operator
under some conditions. These autonomous operation features may
likewise be associated with different risk levels that depend upon
settings selected by the vehicle operator. Once the risk levels
associated. with autonomous operation and manual operation under
various parameter sets that have been weighted by the expected use
levels, the total risk level for the vehicle and operator may be
determined by aggregating the weighted risk levels. As above, the
total risk level may be adjusted or normalized, and/or it may be
used to determine a risk category or risk class in accordance with
regulatory requirements.
[0127] At block 914, the server 140 may determine one or more
premiums for vehicle insurance policies covering the vehicle 108
based upon the total risk level determined at block 812. As in
method 800, additional factors may be included in the determination
of the policy premiums, and/or the premiums may be adjusted based
upon additional factors. The server 140 may further record the
premiums or may transmit one or more of the policy premiums to
relevant parties.
[0128] FIG. 10 illustrates a flow diagram depicting an exemplary
embodiment of an autonomous vehicle insurance pricing method 1000
for determining risk and/or premiums for vehicle insurance policies
covering autonomous vehicles with autonomous communication
features, which may be implemented by the autonomous vehicle
insurance system 100. The method 1000 may determine risk levels as
without autonomous communication discussed above with reference to
methods 800 and/or 900, then adjust the risk levels based upon the
availability and effectiveness of communications between the
vehicle 108 and external sources. Similar to environmental
conditions, the availability of external sources such as other
autonomous vehicles for communication with the vehicle 108 affects
the risk levels associated with the vehicle 108. For example, use
of an autonomous communication feature may significantly reduce
risk associated with autonomous operation of the vehicle 108 only
where other autonomous vehicles also use autonomous communication
features to send and/or receive information.
[0129] At block 1002, the server 140 may receive a request to
determine a risk category or premium associated with a vehicle
insurance policy for an autonomous vehicle with one or more
autonomous communication features in a manner similar to blocks 802
and/or 902 described above. At block 1004, the server 140 likewise
receives information regarding the vehicle 108, the autonomous
operation features installed within the vehicle 108 (including
autonomous communication features), the vehicle operator, and/or
anticipated or past use of the vehicle 108. The information
regarding anticipated or past use of the vehicle 108 may include
information regarding locations and times of past use, as well as
past use of one or more autonomous communication features. For
example, this may include locations, times, and/or details of
communication exchanged by an autonomous communication feature, as
well as information regarding past vehicle operation when no
autonomous communication occurred. This information may be used to
determine the past availability of external sources for autonomous
communication with the vehicle 108, facilitating determination of
expected future availability of autonomous communication as
described below. In some embodiments, information regarding the
vehicle 108 may be excluded, in which case the risk or premium
determinations below may likewise exclude the information regarding
the vehicle 108.
[0130] At block 1006, the server 140 may determine the risk profile
or risk levels associated with the vehicle 108 based upon the
vehicle information, the autonomous operation feature information,
and/or the vehicle operator information received at block 1004. The
risk levels associated with the vehicle 108 may be determined as
discussed above with respect to the method 500 and as further
discussed with respect to methods 800 and 900. At block 1008, the
server 140 may determine the risk profile and/or risk levels
associated with the vehicle 108 and/or the autonomous communication
features. This may include a plurality of risk levels associated
with a plurality of autonomous communication levels and/or other
parameters relating to the vehicle 108, the vehicle operator, the
autonomous operation features, the configuration and/or setting of
the autonomous operation features, and/or the vehicle's
environment. The autonomous communication levels may include
information regarding the proportion of vehicles in the vehicle's
environment that are in autonomous communication with the vehicle
108, levels of communication with infrastructure, types of
communication (e.g., hard braking alerts, full velocity
information, etc.), and/or other information relating to the
frequency and/or quality of autonomous communications between the
autonomous communication feature and the external sources.
[0131] At block 1010, the server 140 may then determine the
expected use levels of the vehicle 108 in the relevant conditions,
autonomous operation feature settings, and/or autonomous
communication levels to facilitate determining a total risk for the
vehicle 108. The server 140 may determine expected vehicle use
based upon the use information received at block 1004, including
expected levels of autonomous communication under a plurality of
sets of parameters. For example, the server 140 may determine based
upon past operating data that the 50% of the total operating time
of the vehicle 108 is likely to occur in conditions where
approximately a quarter of the vehicles utilize autonomous
communication features, 40% of the total operating time is likely
to occur in conditions where a negligible number of vehicles
utilize autonomous communication features, and/or 10% is likely to
occur in conditions where approximately half of vehicles utilize
autonomous communication features. Of course, each of the
categories in the preceding example may be further divided by other
conditions, such as traffic levels, weather, average vehicle speed,
presence of pedestrians, location, autonomous operation feature
settings, and/or other parameters. These determinations may be used
to further determine the total risk associated with autonomous
vehicle operation including autonomous communication.
[0132] At block 1012, the server 140 may use the risk levels
determined at block 1010 to determine a total expected risk level
for the vehicle 108 including one or more autonomous communication
features, in a similar manner to the determination described above
in block 810. The server 140 may weight each of the risk levels
corresponding to sets of parameters by the expected use levels
corresponding to the same set of parameters. The weighted risk
levels may then be aggregated using known techniques to determine
the total risk level. As above, the total risk level may be
adjusted or normalized, or it may be used to determine a risk
category or risk class in accordance with regulatory
requirements.
[0133] At block 1014, the server 140 may determine one or more
premiums for vehicle insurance policies covering the vehicle 108
based upon the total risk level determined at block 1012. As in
methods 800 and/or 900, additional factors may be included in the
determination of the policy premiums, and/or the premiums may be
adjusted based upon additional factors. The server 140 may further
record the premiums and/or may transmit one or more of the policy
premiums to relevant parties.
[0134] In any of the preceding embodiments, the determined risk
level or premium associated with one or more insurance policies may
be presented by the server 140 to a customer or potential customer
as offers for one or more vehicle insurance policies. The customer
may view the offered vehicle insurance policies on a display such
as the display 202 of the mobile device 110, select one or more
options, and/or purchase one or more of the vehicle insurance
policies. The display, selection, and/or purchase of the one or
more policies may be facilitated by the server 140, which may
communicate via the network 130 with the mobile device 110 and/or
another computer device accessed by the user.
Exemplary Method of Adjusting Insurance
[0135] In one aspect, a computer-implemented method of adjusting an
insurance policy may be provided. The method may include (a)
determining an accident risk factor, analyzing, via a processor,
the effect on the risk of, or associated with, a potential vehicle
accident of (1) an autonomous or semi-autonomous vehicle
technology, and/or (2) an accident-related factor or element; (b)
adjusting, updating, or creating (via the processor) an automobile
insurance policy (or premium) for an individual vehicle equipped
with the autonomous or semi-autonomous vehicle technology based
upon the accident risk factor determined; and/or (c) presenting on
a display screen (or otherwise communicating) all or a portion of
the insurance policy (or premium) adjusted, updated, or created for
the individual vehicle equipped with the autonomous or
semi-autonomous vehicle functionality for review, approval, or
acceptance by a new or existing customer, or an owner or operator
of the individual vehicle. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
[0136] The autonomous or semi-autonomous vehicle technology may
include and/or be related to a fully autonomous vehicle and/or
limited human driver control. The autonomous or semi-autonomous
vehicle technology may include and/or be related to: (a) automatic
or semi-automatic steering; (b) automatic or semi-automatic
acceleration and/or braking; (c) automatic or semi-automatic blind
spot monitoring; (d) automatic or semi-automatic collision warning;
(e) adaptive cruise control; and/or (f) automatic or semi-automatic
parking assistance. Additionally or alternatively, the autonomous
or semi-autonomous vehicle technology may include and/or be related
to: (g) driver alertness or responsive monitoring; (h) pedestrian
detection; (i) artificial intelligence and/or back-up systems; (j)
navigation, GPS (Global Positioning System)-related, and/or road
mapping systems; (k) security and/or anti-hacking measures; and/or
(l) theft prevention and/or vehicle location determination systems
or features.
[0137] The accident-related factor or element may be related to
various factors associated with (a) past and/or potential or
predicted vehicle accidents, and/or (b) autonomous or
semi-autonomous vehicle testing or test data. Accident-related
factors or elements that may be analyzed, such as for their impact
upon automobile accident risk and/or the likelihood that the
autonomous or semi-autonomous vehicle will be involved in an
automobile accident, may include: (1) point of vehicle impact; (2)
type of road involved in the accident or on which the vehicle
typical travels; (3) time of day that an accident has occurred or
is predicted to occur, or time of day that the vehicle owner
typically drives; (4) weather conditions that impact vehicle
accidents; (5) type or length of trip; (6) vehicle style or size;
(7) vehicle-to-vehicle wireless communication; and/or (8)
vehicle-to-infrastructure (and/or infrastructure-to-vehicle)
wireless communication.
[0138] The risk factor may be determined for the autonomous or
semi-autonomous vehicle technology based upon an ability of the
autonomous or semi-autonomous vehicle technology, and/or versions
of, or updates to, computer instructions (stored on non-transitory
computer readable medium or memory) associated with the autonomous
or semi-autonomous vehicle technology, to make driving decisions
and avoid crashes without human interaction. The adjustment to the
insurance policy may include adjusting an insurance premium,
discount, reward, or other item associated with the insurance
policy based upon the risk factor (or accident risk factor)
determined for the autonomous or semi-autonomous vehicle
technology.
[0139] The method may further include building a database or model
of insurance or accident risk assessment from (a) past vehicle
accident information, and/or (b) autonomous or semi-autonomous
vehicle testing information. Analyzing the effect on risk
associated with a potential vehicle accident based upon (1) an
autonomous or semi-autonomous vehicle technology, and/or (2) an
accident-related factor or element (such as factors related to type
of accident, road, and/or vehicle, and/or weather information,
including those factors mentioned elsewhere herein) to determine an
accident risk factor may involve a processor accessing information
stored within the database or model of insurance or accident risk
assessment.
Exemplary Method of Adjusting Insurance Based Upon Artificial
Intelligence
[0140] In one aspect, a computer-implemented method of adjusting
(or generating) an insurance policy may be provided. The method may
include (1) evaluating, via a processor, a performance of an
autonomous or semi-autonomous driving package of computer
instructions (or software package) and/or a sophistication of
associated artificial intelligence in a test environment; (2)
analyzing, via the processor, loss experience associated with the
computer instructions (and/or associated artificial intelligence)
to determine effectiveness in actual driving situations; (3)
determining, via the processor, a relative accident risk factor for
the computer instructions (and/or associated artificial
intelligence) based upon the ability of the computer instructions
(and/or associated artificial intelligence) to make automated or
semi-automated driving decisions for a vehicle and avoid crashes;
(4) determining or updating, via the processor, an automobile
insurance policy for an individual vehicle with the autonomous or
semi-autonomous driving technology based upon the relative accident
risk factor assigned to the computer instructions (and/or
associated artificial intelligence); and/or (5) presenting on a
display (or otherwise communicating) all or a portion of the
automobile insurance policy, such as a monthly premium, to an owner
or operator of the individual vehicle, or other existing or
potential customer, for purchase, approval, or acceptance by the
owner or operator of the individual vehicle, or other customer. The
computer instructions may direct the processor to perform
autonomous or semi-autonomous vehicle functionality and be stored
on non-transitory computer media, medium, or memory. The method may
include additional, fewer, or alternate actions, including those
discussed elsewhere herein.
[0141] The autonomous or semi-autonomous vehicle functionality that
is supported by the computer instructions and/or associated
artificial intelligence may include and/or be related to: automatic
or semi-automatic steering; automatic or semi-automatic
acceleration and/or braking; automatic or semi-automatic blind spot
monitoring; automatic or semi-automatic collision warning; adaptive
cruise control; and/or automatic or semi-automatic parking
assistance. Additionally or alternatively, the autonomous or
semi-autonomous vehicle functionality may include and/or be related
to: driver alertness or responsive monitoring; pedestrian
detection; artificial intelligence and/or back-up systems;
navigation or GPS-related systems; security and/or anti-hacking
measures; theft prevention systems; and/or systems that may
remotely locate stolen vehicles, such as via GPS coordinates.
[0142] The determination of the relative accident risk factor for
the computer instructions and/or associated artificial intelligence
may consider, or take into account, previous, future, or potential
accident-related factors, including: point of impact; type of road;
time of day; weather conditions; type or length of trip; vehicle
style; vehicle-to-vehicle wireless communication;
vehicle-to-infrastructure wireless communication; and/or other
factors, including those discussed elsewhere herein.
[0143] The method may further include adjusting an insurance
premium, discount, reward, or other item associated with an
insurance policy based upon the relative accident risk factor
assigned to the autonomous or semi-autonomous driving technology,
the computer instructions, and/or associated artificial
intelligence. Additionally or alternatively, insurance rates,
ratings, special offers, points, programs, refunds, claims, claim
amounts, etc. may be adjusted based upon the relative accident or
insurance risk factor assigned to the autonomous or semi-autonomous
driving technology, the computer instructions, and/or associated
artificial intelligence.
Exemplary Methods of Providing Insurance Coverage
[0144] In one aspect, a computer-implemented method of adjusting or
creating an insurance policy may be provided. The method may
include: (1) capturing or gathering data, via a processor, to
determine an autonomous or semi-autonomous technology or
functionality associated with a specific vehicle; (2) comparing the
received data, via the processor, to a stored baseline of vehicle
data created from (a) actual accident data involving automobiles
equipped with the autonomous or semi-autonomous technology or
functionality, and/or (b) autonomous or semi-autonomous vehicle
testing; (3) identifying (or assessing) accident or collision risk,
via the processor, based upon an ability of the autonomous or
semi-autonomous technology or functionality associated with the
specific vehicle to make driving decisions and/or avoid or mitigate
crashes; (4) adjusting or creating an insurance policy, via the
processor, based upon the accident or collision risk identified
that is based upon the ability of the autonomous or semi-autonomous
technology or functionality associated with the specific vehicle;
and/or (5) presenting on a display screen, or otherwise providing
or communicating, all or a portion of (such as a monthly premium or
discount) the insurance policy adjusted or created to a potential
or existing customer, or an owner or operator of the specific
vehicle equipped with the autonomous or semi-autonomous technology
or functionality, for review, acceptance, and/or approval. The
method may include additional, fewer, or alternative steps or
actions, including those discussed elsewhere herein.
[0145] For instance, the method may include evaluating, via the
processor, an effectiveness of the autonomous or semi-autonomous
technology or functionality, and/or an associated artificial
intelligence, in a test environment, and/or using real driving
experience or information.
[0146] The identification (or assessment) of accident or collision
risk performed by the processor may be dependent upon the extent of
control and/or decision making that is assumed by the specific
vehicle equipped with the autonomous or semi-autonomous technology
or functionality, rather than the human driver. Additionally or
alternatively, the identification (or assessment) of accident or
collision risk may be dependent upon (a) the ability of the
specific vehicle to use external information (such as
vehicle-to-vehicle, vehicle-to-infrastructure, and/or
infrastructure-to-vehicle wireless communication) to make driving
decisions, and/or (b) the availability of such external
information, such as may be determined by a geographical region
(urban or rural) associated with the specific vehicle or vehicle
owner.
[0147] Information regarding the autonomous or semi-autonomous
technology or functionality associated with the specific vehicle,
including factory-installed hardware and/or versions of computer
instructions, may be wirelessly transmitted to a remote server
associated with an insurance provider and/or other third party for
analysis. The method may include remotely monitoring an amount or
percentage of usage of the autonomous or semi-autonomous technology
or functionality by the specific vehicle, and based upon such
amount or percentage of usage, (a) providing feedback to the driver
and/or insurance provider via wireless communication, and/or (b)
adjusting insurance policies or premiums.
[0148] In another aspect, another computer-implemented method of
adjusting or creating an automobile insurance policy may be
provided. The method may include: (1) determining, via a processor,
a relationship between an autonomous or semi-autonomous vehicle
functionality and a likelihood of a vehicle collision or accident;
(2) adjusting or creating, via a processor, an automobile insurance
policy for a vehicle equipped with the autonomous or
semi-autonomous vehicle functionality based upon the relationship,
wherein adjusting or creating the insurance policy may include
adjusting or creating an insurance premium, discount, or reward for
an existing or new customer; and/or (3) presenting on a display
screen, or otherwise communicating, all or a portion of the
automobile insurance policy adjusted or created for the vehicle
equipped with the autonomous or semi-autonomous vehicle
functionality to an existing or potential customer, or an owner or
operator of the vehicle for review, approval, and/or acceptance.
The method may include additional, fewer, or alternative actions,
including those discussed elsewhere herein.
[0149] For instance, the method may include determining a risk
factor associated with the relationship between the autonomous or
semi-autonomous vehicle functionality and the likelihood of a
vehicle collision or accident. The likelihood of a vehicle
collision or accident associated with the autonomous or
semi-autonomous vehicle functionality may be stored in a risk
assessment database or model. The risk assessment database or model
may be built from (a) actual accident information involving
vehicles having the autonomous or semi-autonomous vehicle
functionality, and/or (b) testing of vehicles having the autonomous
or semi-autonomous vehicle functionality and/or resulting test
data. The risk assessment database or model may account for types
of accidents, roads, and/or vehicles; weather conditions; and/or
other factors, including those discussed elsewhere herein.
[0150] In another aspect, another computer-implemented method of
adjusting or generating an insurance policy may be provided. The
method may include: (1) receiving an autonomous or semi-autonomous
vehicle functionality associated with a vehicle via a processor;
(2) adjusting or generating, via the processor, an automobile
insurance policy for the vehicle associated with the autonomous or
semi-autonomous vehicle functionality based upon historical or
actual accident information, and/or test information associated
with the autonomous or semi-autonomous vehicle functionality;
and/or (3) presenting on a display screen, or otherwise
communicating, the adjusted or generated automobile insurance
policy (for the vehicle associated with the autonomous or
semi-autonomous vehicle functionality) or portions thereof for
review, acceptance, and/or approval by an existing or potential
customer, or an owner or operator of the vehicle. The adjusting or
generating the automobile insurance policy may include calculating
an automobile insurance premium, discount, or reward based upon
actual accident or test information associated with the autonomous
or semi-autonomous vehicle functionality. The method may also
include: (a) monitoring, or gathering data associated with, an
amount of usage (or a percentage of usage) of the autonomous or
semi-autonomous vehicle functionality, and/or (b) updating, via the
processor, the automobile insurance policy, or an associated
premium or discount, based upon the amount of usage (or the
percentage of usage) of the autonomous or semi-autonomous vehicle
functionality. The method may include additional, fewer, or
alternate actions, including those discussed elsewhere herein.
[0151] In another aspect, another computer-implemented method of
generating or updating an insurance policy may be provided. The
method may include: (1) developing an accident risk model
associated with a likelihood that a vehicle having autonomous or
semi-autonomous vehicle functionality or technology will be
involved in a vehicle accident or collision, the accident risk
model may comprise a database, table, or other data structure, the
accident risk model and/or the likelihood that the vehicle having
autonomous or semi-autonomous vehicle functionality or technology
will be involved in a vehicle accident or collision may be
determined from (i) actual accident information involving vehicles
having the autonomous or semi-autonomous functionality or
technology, and/or (ii) test data developed from testing vehicles
having the autonomous or semi-autonomous functionality or
technology; (2) generating or updating an automobile insurance
policy, via a processor, for a vehicle equipped with the autonomous
or semi-autonomous vehicle functionality or technology based upon
the accident risk model; and/or (3) presenting on a display screen,
or otherwise communicating, all or a portion of the automobile
insurance policy generated or updated to an existing or potential
customer, or an owner or operator of the vehicle equipped with the
autonomous or semi-autonomous vehicle functionality or technology
for review, approval, and/or acceptance. The autonomous or
semi-autonomous vehicle functionality or technology may involve
vehicle self-braking or self-steering functionality. Generating or
updating the automobile insurance policy may include calculating an
automobile insurance premium, discount, and/or reward based upon
the autonomous or semi-autonomous vehicle functionality or
technology and/or the accident risk model. The method may include
additional, fewer, or alternate actions, including those discussed
elsewhere herein.
[0152] In another aspect, another computer-implemented method of
generating or updating an insurance policy may be provided. The
method may include (a) developing an accident risk model associated
with (1) an autonomous or semi-autonomous vehicle functionality,
and/or (2) a likelihood of a vehicle accident or collision. The
accident risk model may include a database, table, and/or other
data structure. The likelihood of the vehicle accident or collision
may comprise a likelihood of an actual or potential vehicle
accident involving a vehicle having the autonomous or
semi-autonomous functionality determined or developed from analysis
of (i) actual accident information involving vehicles having the
autonomous or semi-autonomous functionality, and/or (ii) test data
developed from testing vehicles having the autonomous or
semi-autonomous functionality. The method may include (b)
generating or updating an automobile insurance policy, via a
processor, for a vehicle equipped with the autonomous or
semi-autonomous vehicle functionality based upon the accident risk
model; and/or (c) presenting on a display, or otherwise
communicating, all or a portion of the automobile insurance policy
generated or updated for review and/or acceptance by an existing or
potential customer, or an owner or operator of the vehicle equipped
with the autonomous or semi-autonomous vehicle functionality. The
method may include additional, fewer, or alternate actions or
steps, including those discussed elsewhere herein.
[0153] In another aspect, a computer-implemented method of
adjusting or creating an insurance policy may be provided. The
method may include (a) estimating an accident risk factor for a
vehicle having an autonomous or semi-autonomous vehicle
functionality based upon (1) a specific, or a type of, autonomous
or semi-autonomous vehicle functionality, and/or (2) actual
accident data or vehicle testing data associated with vehicles
having autonomous or semi-autonomous vehicle functionality; (b)
adjusting or creating an automobile insurance policy for an
individual vehicle equipped with the autonomous or semi-autonomous
vehicle functionality based upon the accident risk factor
associated with the autonomous or semi-autonomous vehicle
functionality; and/or (c) presenting on a display, or otherwise
communicating, all or a portion of the automobile insurance policy
adjusted or created based upon the accident risk factor associated
with the autonomous or semi-autonomous vehicle functionality to an
existing or potential customer, or an owner or operator of the
individual vehicle equipped with the autonomous or semi-autonomous
vehicle functionality for review, approval, or acceptance. The
method may include additional, fewer, or alternate actions,
including those discussed elsewhere herein.
[0154] In another aspect, a computer-implemented method of
adjusting or generating an automobile insurance policy may be
provided. The method may include: (1) collecting data, via a
processor, related to (a) vehicle accidents involving vehicles
having an autonomous or semi-autonomous vehicle functionality or
technology, and/or (b) testing data associated with such vehicles;
(2) based upon the data collected, identifying, via the processor,
a likelihood that a vehicle employing a specific autonomous or
semi-autonomous vehicle functionality or technology will be
involved in a vehicle accident or collision; (3) receiving, via the
processor, an insurance-related request for a vehicle equipped with
the specific autonomous or semi-autonomous vehicle functionality or
technology; (4) adjusting or generating, via the processor, an
automobile insurance policy for the vehicle equipped with the
specific autonomous or semi-autonomous vehicle functionality or
technology based upon the identified likelihood that the vehicle
employing the specific autonomous or semi-autonomous vehicle
functionality or technology will be involved in a vehicle accident
or collision; and/or (5) presenting on a display, or otherwise
communicating, all or a portion of the automobile insurance policy
adjusted or generated for the vehicle equipped with the specific
autonomous or semi-autonomous vehicle functionality or technology
for review, approval, or acceptance by an existing or potential
customer, or an owner or operator of the vehicle equipped with the
specific autonomous or semi-autonomous vehicle functionality or
technology. The method may include additional, fewer, or alternate
actions, including those discussed elsewhere herein.
[0155] For the methods and embodiments discussed directly above,
and elsewhere herein, the autonomous or semi-autonomous technology
or functionality may include and/or be related to: automatic or
semi-automatic steering; automatic or semi-automatic acceleration
and/or braking; automatic or semi-automatic blind spot monitoring;
automatic or semi-automatic collision warning; adaptive cruise
control; and/or automatic or semi-automatic parking assistance.
Additionally or alternatively, the autonomous or semi-autonomous
technology or functionality may include and/or be related to:
driver alertness or responsive monitoring; pedestrian detection;
artificial intelligence and/or back-up systems; navigation or
GPS-related systems; security and/or anti-hacking measures; and/or
theft prevention systems.
Exemplary V2V Wireless Communication Functionality
[0156] In one aspect, a computer-implemented method of generating
or adjusting an automobile insurance policy may be provided. The
method may include: (1) determining a likelihood that vehicles
employing a vehicle-to-vehicle (V2V) wireless communication-based
autonomous or semi-autonomous vehicle functionality or technology
will be involved in an accident or collision; (2) receiving data or
a request for automobile insurance, via a processor, indicating
that a specific vehicle is equipped with the vehicle-to-vehicle
(V2V) wireless communication-based autonomous or semi-autonomous
vehicle functionality or technology; (3) generating or adjusting an
automobile insurance policy for the specific vehicle, via the
processor, based upon the likelihood that vehicles employing the
V2V wireless communication-based autonomous or semi-autonomous
vehicle functionality or technology will be involved in an accident
or collision; and/or (4) presenting on a display, or otherwise
communicating, a portion or all of the automobile insurance policy
generated or adjusted for the specific vehicle equipped with the
V2V wireless communication-based autonomous or semi-autonomous
vehicle functionality or technology for review, approval, or
acceptance by an existing or potential customer, or an owner or
operator of the vehicle that is equipped with the V2V wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology.
[0157] The method may further include: monitoring and/or
collecting, via the processor, data associated with an amount of
usage (or percentage of usage) by the specific vehicle of the V2V
wireless communication-based autonomous or semi-autonomous vehicle
functionality or technology; adjusting, via the processor, the
insurance policy (such as insurance premium, discount, reward,
etc.) based upon the amount of usage (or percentage of usage) by
the specific vehicle of the V2V wireless communication-based
autonomous or semi-autonomous vehicle functionality or technology;
and/or presenting or communicating, via the processor, the
adjustment to the insurance policy based upon the amount of usage
(or percentage of usage) by the specific vehicle of the V2V
wireless communication-based autonomous or semi-autonomous vehicle
functionality or technology to the vehicle owner or operator, or an
existing or potential customer. The method may include additional,
fewer, or alternate actions, including those discussed elsewhere
herein.
[0158] For the method discussed directly above, the V2V wireless
communication-based autonomous or semi-autonomous vehicle
technology or functionality may include and/or be related to:
automatic or semi-automatic steering; automatic or semi-automatic
acceleration and/or braking; automatic or semi-automatic blind spot
monitoring; automatic or semi-automatic collision warning; adaptive
cruise control; and/or automatic or semi-automatic parking
assistance. Additionally or alternatively, the autonomous or
semi-autonomous technology or functionality may include and/or be
related to: driver alertness or responsive monitoring; pedestrian
detection; artificial intelligence and/or back-up systems;
navigation or GPS-related systems; security and/or anti-hacking
measures; and/or theft prevention systems.
[0159] In another aspect, another computer-implemented method of
generating or adjusting an automobile insurance policy may be
provided. The method may include (1) receiving data or a request
for automobile insurance, via a processor, indicating that a
vehicle is equipped with a vehicle-to-vehicle (V2V) wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology. The V2V wireless communication-based
autonomous or semi-autonomous vehicle functionality or technology
may enable the vehicle to automatically self-brake and/or
automatically self-steer based upon a wireless communication
received from a second vehicle. The wireless communication may
indicate that the second vehicle is braking or maneuvering. The
method may include (2) generating or adjusting an automobile
insurance policy for the specific vehicle, via the processor, based
upon the V2V wireless communication-based autonomous or
semi-autonomous vehicle functionality or technology of the vehicle;
and/or (3) presenting on a display, or otherwise communicating, a
portion or all of the automobile insurance policy generated or
adjusted for the vehicle equipped with the V2V wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology for review, approval, or acceptance by
an existing or potential customer, or an owner or operator of the
vehicle that is equipped with the V2V wireless communication-based
autonomous or semi-autonomous vehicle functionality or
technology.
[0160] The method may also include: determining a likelihood that
vehicles employing the vehicle-to-vehicle (V2V) wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology will be involved in an accident or
collision; and/or generating or adjusting the automobile insurance
policy for the specific vehicle is based at least in part on the
likelihood of accident or collision determined. The method may
include additional, fewer, or alternate actions, including those
discussed elsewhere herein.
Exemplary Wireless Communication Functionality
[0161] In one aspect, a computer-implemented method of generating
or adjusting an automobile insurance policy may be provided. The
method may include: (1) determining a likelihood that vehicles
employing a wireless communication-based autonomous or
semi-autonomous vehicle functionality or technology will be
involved in an automobile accident or collision, the wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology includes wireless communication
capability between (a) individual vehicles, and (b) roadside or
other travel-related infrastructure; (2) receiving data or a
request for automobile insurance, via a processor, indicating that
a specific vehicle is equipped with the wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology; (3) generating or adjusting an
automobile insurance policy for the specific vehicle, via the
processor, based upon the likelihood that vehicles employing the
wireless communication-based autonomous or semi-autonomous vehicle
functionality or technology will be involved in automobile accident
or collisions; and/or (4) presenting on a display, or otherwise
communicating, all or a portion of the automobile insurance policy
generated or adjusted for the vehicle equipped with the wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology for review, approval, or acceptance by
an existing or potential customer, or an owner or operator of the
vehicle.
[0162] The roadside or travel-related infrastructure may be a smart
traffic light, smart stop sign, smart railroad crossing indicator,
smart street sing, smart road or highway marker, smart tollbooth,
Wi-Fi hotspot, superspot, and/or other vehicle-to-infrastructure
(V2I) component with two-way wireless communication to and from the
vehicle, and/or data download availability.
[0163] The method may further include: monitoring and/or collecting
data associated with, via the processor, an amount of usage (or
percentage of usage) of the wireless communication-based autonomous
or semi-autonomous vehicle functionality or technology by the
specific vehicle; adjusting, via the processor, the insurance
policy (such as an insurance premium, discount, reward, etc.) based
upon the amount of usage (or percentage of usage) by the specific
vehicle of the wireless communication-based autonomous or
semi-autonomous vehicle functionality or technology; and/or
presenting or communicating, via the processor, the adjustment to
the insurance policy based upon the amount of usage (or percentage
of usage) by the specific vehicle of the wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology to the vehicle owner or operator,
and/or an existing or potential customer. The method may include
additional, fewer, or alternate actions, including those discussed
elsewhere herein.
[0164] For the method discussed directly above, the wireless
communication-based autonomous or semi-autonomous vehicle
technology or functionality may include and/or be related to:
automatic or semi-automatic steering; automatic or semi-automatic
acceleration and/or braking; automatic or semi-automatic blind spot
monitoring; automatic or semi-automatic collision warning; adaptive
cruise control; and/or automatic or semi-automatic parking
assistance. Additionally or alternatively, the autonomous or
semi-autonomous technology or functionality may include and/or be
related to: driver alertness or responsive monitoring; pedestrian
detection; artificial intelligence and/or back-up systems;
navigation or GPS-related systems; security and/or anti-hacking
measures; and/or theft prevention systems.
[0165] In another aspect, a computer-implemented method of
generating or adjusting an automobile insurance policy may be
provided. The method may include (1) receiving data or a request
for automobile insurance, via a processor, indicating that a
vehicle is equipped with a wireless communication-based autonomous
or semi-autonomous vehicle functionality or technology. The
wireless communication-based autonomous or semi-autonomous vehicle
functionality or technology may include wireless communication
capability between (a) the vehicle, and (b) roadside or other
travel-related infrastructure, and may enable the vehicle to
automatically self-brake and/or automatically self-steer based upon
wireless communication received from the roadside or travel-related
infrastructure. The wireless communication transmitted by the
roadside or other travel-related infrastructure to the vehicle may
indicate that the vehicle should brake or maneuver. The method may
include (2) generating or adjusting an automobile insurance policy
for the vehicle, via the processor, based upon the wireless
communication-based autonomous or semi-autonomous vehicle
functionality or technology of the vehicle; and/or (3) presenting
on a display, or otherwise communicating, all or a portion of the
automobile insurance policy generated or adjusted for the vehicle
equipped with the wireless communication-based autonomous or
semi-autonomous vehicle functionality or technology for review,
approval, or acceptance by an existing or potential customer, or an
owner or operator of the vehicle. The method may include
additional, fewer, or alternate actions, including those discussed
elsewhere herein.
Exemplary Functionality
[0166] In some aspects, the autonomous or semi-autonomous
technology or functionality may involve a vehicle self-braking
functionality and/or a vehicle self-steering functionality. The
autonomous or semi-autonomous technology or functionality may
perform one or more of the following functions: 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.
[0167] Additionally or alternatively, 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.
[0168] The systems and computer-implemented methods may monitor
settings associated with each autonomous or semi-autonomous
technology or functionality, such as via one or more local or
remote processors and/or sensors. For instance, each autonomous or
semi-autonomous system mounted on a vehicle may include a
controller (or processor and/or clock) in wired or wireless
communication with a dedicated sensor (and/or clock) that
determines a setting for each autonomous or semi-autonomous system
and when that setting was in a given position, and the amount of
time and/or miles that the autonomous or semi-autonomous system was
engaged or disengaged (or otherwise set a given condition or
setting) may be compared with the overall amount of time or miles
that the vehicle was driven, operated, or otherwise traveled on the
road for a given period of time (such as 6 months).
[0169] For instance, a dedicated sensor for a cruise (or speed)
control system may determine a total amount of time or miles that
the cruise control system was employed or not employed, and such
sensor may determine a setting or speed that the cruise control
system was set at (e.g., 70 miles per hour for interstate highway
travel). The vehicle controller may include a processor that tracks
the overall vehicle time or mileage of usage, either in autonomous,
semi-autonomous, or manual control operation.
[0170] A percentage of time that the vehicle was operated in
autonomous, semi-autonomous, or manual mode may be calculated.
Insurance discounts may be provided to the insured or vehicle owner
based upon an overall risk level assessment of the vehicle
operation. For instance, an insurance discount may be generated
based upon the risk profile of the autonomous or semi-autonomous
system, and/or the risk profile of the driver (such as a risk
profile of the driver determined from telematics data), and the
amount of time or mileages each was in control of, or driving the
vehicle (whether the human vehicle owner, or the vehicle itself
(e.g., autonomous or semi-autonomous system)) and under what
weather, traffic, or road conditions each driver (whether human or
machine) was driving.
[0171] As another example, a collision avoidance system may include
a processor and/or a dedicated sensor that determines an amount of
time or miles driven that the collision avoidance system was
engaged or disengaged. The amount of time or miles that the system
was engaged (or disengaged) may be compared with a total time or
miles that the vehicle was driven or operated (such as determined
from a vehicle controller processor and/or clock). Assuming that
the collision avoidance system reduces the likelihood of a vehicle
crash, a usage-based insurance discount may be generated for the
vehicle owner based upon an amount of time or miles that they have
utilized, or not utilized, the collision avoidance system (and/or a
setting thereof).
[0172] The usage of the autonomous and/or semi-autonomous features
and technologies may be monitored in real time locally, such as via
vehicle control system and/or a mobile device (e.g., smart phone,
tablet, wearable electronics, smart watch, etc.) configured with a
Telematics Application (or "App") capable of gathering various
types of telematics data (vehicle speed, location, cornering,
braking, acceleration, image and audio data, etc.). The vehicle
control system or mobile device may be configured to transmit the
data gathered with respect to autonomous or semi-autonomous system
operation, via wireless communication or data transmission, to an
insurance provider remote server. The remote server may update
usage-based auto insurance discounts based upon the data (such as
the data indicating the amount and/or frequency of use of the
autonomous or semi-autonomous systems, and at which settings those
systems are used by the vehicle owner).
[0173] One autonomous or semi-autonomous feature may include
capabilities related to broadcasting and/or receiving telematics
and/or other data to and/or from other vehicles, smart
infrastructure, or remote servers. For instance, vehicle
controllers or mobile devices may be configured to collect
telematics and/or other data and then transmit that data to nearby
vehicles or smart infrastructure via wireless communication or data
transmission. That data may indicate travel issues, vehicle
crashes, congestion, bad weather, and/or road construction that
should be avoided. Using the data, the receiving vehicles may
re-route around the problem areas, and/or the smart infrastructure
may estimate and transmit alternate routes to smart vehicles or may
generate routing recommendations.
[0174] Additionally, the vehicle controllers or mobile devices may
receive a broadcast of telematics or other data indicative of
travel events, such as from other vehicles, other mobile devices,
or smart infrastructure. The vehicle controllers or mobile devices
may generate alerts based upon the data received indicative of
approaching travel events, and/or the vehicle controllers or mobile
devices may generate alternate routes avoiding the travel events
and/or send an alternate route to an autonomous vehicle system
driving the vehicle to automatically re-route the vehicle around
the travel event.
[0175] The telematics and/or other data collected by the vehicle
controller or mobile device may indicate the amount of time or
mileage of vehicle usage that the broadcasting and/or receiving
functionality associated with receiving telematics data from other
vehicles indicative of travel events is employed.
[0176] Various types of sensors (such as cameras and audio
recorders) may collect various types of data (e.g., audio, image,
speed, etc.) for transmission to remote servers for analysis, such
as analysis of fault determination after a vehicle crash. Data may
also be collected during testing from vehicle-mounted sensors,
including image, audio, speeding, accelerometers, or braking
sensors.
[0177] The insurance discounts may be usage-based and based upon a
setting of autonomous or semi-autonomous system during vehicle road
operation (such as engaged or disengaged, on or off,
high/medium/low, etc.). For instance, an amount of time (or miles)
that the vehicle is operated on the road with the system engaged
may be compared with an amount of time (or miles) the vehicle is
operated on the road with the system disengaged. A percentage of
vehicle operation with the system engaged may be determined, as
well as percentage of vehicle operation with the insured (or human
driver) in control of, or driving, the vehicle. An insurance
discount may be generated based upon (1) the risk profile of the
system engaged and the amount of time (or miles) that that system
is engaged; and (2) the risk profile of the insured and the amount
of time (or miles) that vehicle is operated or driven by the
insured (as opposed to the system), or otherwise operated without
that specific autonomous or semi-autonomous system engaged.
[0178] Additionally or alternatively, vehicle, mobile device,
and/or telematics (including video, audio, and/or GPS) data may be
received from a vehicle driver or owner and may be analyzed with
their permission and consent to determine a typical time or mileage
that they drive in various weather, traffic, or road conditions for
a given period of time. For instance, video or audio data from the
vehicle may be analyzed to determine vehicle operation during
weather or road conditions. Telematics or GPS speed data may be
analyzed to determine traffic conditions. Also, the setting for the
one or more autonomous operation features (and/or systems) may be
determined (such as engaged or disengaged) during each of the
various types of weather, traffic, or road conditions (such as
congested, light or heavy traffic, bumper-to-bumper traffic, city
or rural driving, city street versus highway driving, ice or snow,
rain or wind, road construction, etc.). The autonomous operation
feature may be rated for how well it, or a version or model
thereof, performs during each of the various types of weather,
traffic, or road conditions.
[0179] Further, future or anticipated operation of the vehicle by
the vehicle operator each of the various types of weather, traffic,
or road conditions may be estimated from past vehicle operation in
such operations. Based upon the amount of time or miles that the
vehicle owner or operator is expected to drive the vehicle during
various weather or road conditions in the future (which may take
into account predicted weather, weather seasons (winter versus
summer, fall versus winter, etc.), and/or weather forecasts) for a
given time period, and/or the amount of time or miles that the
autonomous feature or features are anticipated to be engaged or
disengaged, a total risk may be calculated, and an insurance
discount may be generated that is more reflective of actual risk of
human and machine driving during various weather, traffic, and/or
road conditions.
Exemplary Computer Systems
[0180] In one aspect, a computer system for determining risk and
pricing insurance for a vehicle having one or more autonomous
operation features for controlling the vehicle may be provided. The
computer system may include one or more processors or transceivers
configured to: (1) determine a risk profile associated with
operation of the vehicle that includes a plurality of risk levels
associated with operation of the vehicle (i) under a plurality of
weather and road operating conditions with the one or more
autonomous operation features of the vehicle engaged, and/or (ii)
under the plurality of weather and road operating conditions with
the one or more autonomous operation features of the vehicle
disengaged; (2) receive sensor data regarding previous use, or
engagement and disengagement, of the one or more autonomous
operation features of the vehicle by a vehicle operator during the
plurality of weather and road conditions, via wireless
communication or data. transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (3) determine a plurality of expected use levels of the
vehicle during the plurality of weather and road operating
conditions, wherein the expected use levels indicate whether or not
the vehicle operator is expected to engage or disengage the one or
more autonomous operation features during each of the plurality of
weather and road operating conditions as determined from processor
analysis of the sensor data received; and/or (4) determine a total
risk level associated with overall operation of the vehicle based
at least in part upon (a) the determined risk profile, and (b) the
determined expected use levels that indicate whether or not the
vehicle operator is expected to engage or disengage the one or more
autonomous operation features during each of the plurality of
weather and road operating conditions to facilitate more accurate
risk assessment and auto insurance pricing.
[0181] The one or more processors or transceivers may be configured
to: (1) receive data indicating an actual amount of time or miles
that the vehicle is operated in each of the plurality of weather
and road conditions with each of the one or more autonomous
operation features engaged or disengaged, via wireless
communication or data transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (2) estimate future usage or operation of the vehicle,
either by time or mileage, during each of the plurality of weather
and road conditions and with each of the one or more autonomous
operation features engaged or disengaged based upon the data
indicating the actual amount of time or mile usage of the vehicle
in each of the plurality of weather and road conditions and with
each of the one or more autonomous operation features engaged or
disengaged; and/or (3) adjust the total risk level for the vehicle
based upon (i) the determined risk profile, (ii) the determined
expected use levels, and (iii) the estimated future usage or
operation of the vehicle, either by time or mileage, the vehicle is
predicted to be operated in each of the plurality of weather and
road conditions with each of the one or more autonomous operation
features engaged or disengaged.
[0182] The one or more processors or transceivers may be further
configured to: (a) receive data indicating an amount of time or
miles that the vehicle is operated in each of the plurality of
weather and road conditions, via wireless communication or data
transmission transmitted from a vehicle-mounted transceiver or a
mobile device of the vehicle operator; (b) estimate future usage or
operation of the vehicle, either by time or mileage, during each of
the plurality of weather and road conditions; and/or (c) adjust the
total risk level for the vehicle based upon (1) the determined risk
profile, (2) the determined expected use levels, and (3) the amount
of time or miles that the vehicle is estimated to be operated in
each of the plurality of weather and road conditions.
[0183] The risk profile associated with autonomous operation of the
vehicle may be based at least in part upon test result data
generated from test units corresponding to the one or more
autonomous operation features. The test results may include
responses of the test units to test inputs corresponding to test
scenarios, the test scenarios including vehicle operation with an
autonomous feature engaged during each of the plurality of weather
and road conditions; and the test results may be generated and
recorded by the test units disposed within one or more test
vehicles in response to sensor data from a plurality of sensors,
and/or video recording devices, within the one or more test
vehicles.
[0184] The risk profile associated with autonomous operation of the
vehicle may be based at least in part upon actual losses associated
with insurance policies covering a plurality of other vehicles
having at least one of the one or more autonomous operation
features, the actual losses incurred through vehicle operation in
each of the plurality of weather and road conditions. The one or
more processors or transceivers may be further configured to:
determine types of one or more sensors installed in the vehicle
based upon the sensor data received from vehicle; and/or adjust the
total risk level associated with autonomous operation of the
vehicle based at least in part upon the types of sensors installed
in the vehicle.
[0185] The sensor data regarding the one or more autonomous
operation features may include a version of autonomous operation
feature control software that is currently installed on the vehicle
or in the autonomous operation feature system mounted on the
vehicle. The one or more processors or transceivers may be further
configured to: receive information regarding the type and version
of the one or more autonomous operation features and types of
sensors presently installed in the vehicle after vehicle
maintenance; and/or update the total risk level associated with
autonomous operation of the vehicle based upon the type and version
of the one or more autonomous operation features and the types of
sensors presently installed in the vehicle.
[0186] The autonomous operation feature may include
vehicle-to-vehicle (V2V) wireless communication capability, and the
one or more processors or transceiver may be configured to: receive
telematics data generated or broadcast from other vehicles; and/or
generate and display alternate routes based upon the telematics
data received to facilitate safer vehicle travel and avoidance of
bad weather, traffic, or road conditions.
[0187] In another aspect, a computer system for determining risk
and pricing insurance for a vehicle having one or more autonomous
operation features for controlling the vehicle may be provided. The
system may include one or more processors or transceivers
configured to: (1) determine a risk profile associated with
operation of the vehicle that includes a plurality of risk levels
associated with operation of the vehicle (i) under a plurality of
weather and road operating conditions with the one or more
autonomous operation features of the vehicle engaged, and (ii)
under the plurality of weather and road operating conditions with
the one or more autonomous operation features of the vehicle
disengaged; (2) receive sensor data regarding previous use, or
engagement and disengagement, of the one or more autonomous
operation features of the vehicle by a vehicle operator during the
plurality of weather and road conditions, via wireless
communication or data transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (3) determine from analysis of the sensor data received a
plurality of expected use levels of the vehicle during the
plurality of weather and road operating conditions, wherein the
expected use levels indicate whether or not the vehicle operator is
expected to engage or disengage the one or more autonomous
operation features during each of the plurality of weather and road
operating conditions; (4) determine from analysis of the sensor
data received, or from analysis of other vehicle or telematics data
received from the vehicle or mobile device, an average amount of
time or miles that the vehicle operator operates the vehicle during
each of the plurality of weather and road operating conditions for
a given period of time; and/or (5) determine a total risk level
associated with overall operation of the vehicle based at least in
part upon (a) the determined risk profile, (b) the determined
expected use levels that indicate whether or not the vehicle
operator is expected to engage or disengage the one or more
autonomous operation features during each of the plurality of
weather and road operating conditions, and (c) the average amount
of time or miles that the vehicle operator operates the vehicle
during each of the plurality of weather and road operating
conditions for a given period of time to facilitate more accurate
risk assessment and auto insurance pricing. The foregoing systems
may include additional, less, or alternate functionality, including
that discussed elsewhere herein.
Exemplary Computer-Implemented Methods
[0188] In one aspect, a computer-implemented method for determining
risk and pricing insurance for a vehicle having one or more
autonomous operation features for controlling the vehicle may be
provided. The method may include (1) determining, by one or more
processors, a risk profile associated with operation of the vehicle
that includes a plurality of risk levels associated with operation
of the vehicle (i) under a plurality of weather and road operating
conditions with the one or more autonomous operation features of
the vehicle engaged, and (ii) under the plurality of weather and
road operating conditions with the one or more autonomous operation
features of the vehicle disengaged; (2) receiving, at the one or
more processors or an associated transceiver, sensor data regarding
previous use, or engagement and disengagement, of the one or more
autonomous operation features of the vehicle by a vehicle operator
during the plurality of weather and road conditions, via wireless
communication or data transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (3) determining, by the one or more processors, a
plurality of expected use levels of the vehicle during the
plurality of weather and road operating conditions, wherein the
expected use levels indicate whether or not the vehicle operator is
expected to engage or disengage the one or more autonomous
operation features during each of the plurality of weather and road
operating conditions as determined from processor analysis of the
sensor data received; and/or (4) determining, by the one or more
processors, a total risk level associated with overall operation of
the vehicle based at least in part upon (a) the determined risk
profile, and (b) the determined expected use levels that indicate
whether or not the vehicle operator is expected to engage or
disengage the one or more autonomous operation features during each
of the plurality of weather and road operating conditions to
facilitate more accurate risk assessment and auto insurance
pricing.
[0189] The method may include (i) receiving, at the one or more
processors or an associated transceiver, data indicating an amount
of time or miles that the vehicle is operated in each of the
plurality of weather and road conditions with each of the one or
more autonomous operation features engaged or disengaged, via
wireless communication or data transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (ii) estimating future usage or operation of the vehicle,
either by time or mileage, during each of the plurality of weather
and road conditions and with each of the one or more autonomous
operation features engaged or disengaged; and/or (iii) adjusting,
via the one or more processors, the total risk level for the
vehicle based upon (1) the determined risk profile, (2) the
determined expected use levels, and (3) the amount of time or miles
that the vehicle is operated in each of the plurality of weather
and road conditions with each of the one or more autonomous
operation features engaged or disengaged.
[0190] The method may include (i) receiving, at the one or more
processors or an associated transceiver, data indicating an amount
of time or miles that the vehicle is operated in each of the
plurality of weather and road conditions, via wireless
communication or data transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (2) estimating future usage or operation of the vehicle,
either by time or mileage, during each of the plurality of weather
and road conditions; and/or (3) adjusting, via the one or more
processors, the total risk level for the vehicle based upon (i) the
determined risk profile, (ii) the determined expected use levels,
and (iii) the amount of time or miles that the vehicle is expected
to be operated in the future in each of the plurality of weather
and road conditions for a given time period.
[0191] The risk profile associated with autonomous operation of the
vehicle may be based at least in part upon test result data
generated from test units corresponding to the one or more
autonomous operation features; the test results may include
responses of the test units to test inputs corresponding to test
scenarios, the test scenarios including vehicle operation with an
autonomous feature engaged during each of the plurality of weather
and road conditions; and/or the test results may be generated and
recorded by the test units disposed within one or more test
vehicles in response to sensor data from a plurality of sensors,
and/or video recording devices, within the one or more test
vehicles.
[0192] The risk profile associated with autonomous operation of the
vehicle may be based at least in part upon actual losses associated
with insurance policies covering a plurality of other vehicles
having at least one of the one or more autonomous operation
features, the actual losses incurred through vehicle operation in
each of the plurality of weather and road conditions.
[0193] The method may include determining, via the one or more
processors, types of one or more sensors installed in the vehicle
based upon the sensor data received from vehicle; and/or adjusting,
via the one or more processors, the total risk level associated
with autonomous operation of the vehicle based at least in part
upon the types of sensors installed in the vehicle. The sensor data
regarding the one or more autonomous operation features may include
a version of autonomous operation feature control software that is
currently installed on the vehicle or in the autonomous operation
feature system mounted on the vehicle.
[0194] The method may include receiving, via the one or more
processors or an associated transceiver, information regarding the
type and version of the one or more autonomous operation features
and types of sensors presently installed in the vehicle after
vehicle maintenance; and/or updating the total risk level
associated with autonomous operation of the vehicle, via the one or
more processors, based upon the type and version of the one or more
autonomous operation features and the types of sensors presently
installed in the vehicle.
[0195] The autonomous operation feature may include
vehicle-to-vehicle (V2V) wireless communication capability, and the
method may include receiving, via one or more vehicle-mounted
processors or associated transceiver, telematics data generated or
broadcast from other vehicles; and/or generating and displaying
alternate routes, via the one or more vehicle-mounted processors,
based upon the telematics data received to facilitate safer vehicle
travel and avoidance of bad weather, traffic, or road
conditions.
[0196] In another aspect, a computer-implemented method for
determining risk and pricing insurance for a vehicle having one or
more autonomous operation features for controlling the vehicle may
be provided. The method may include (1) determining, by one or more
processors, a risk profile associated with operation of the vehicle
that includes a plurality of risk levels associated with operation
of the vehicle (i) under a plurality of weather and road operating
conditions with the one or more autonomous operation features of
the vehicle engaged, and (ii) under the plurality of weather and
road operating conditions with the one or more autonomous operation
features of the vehicle disengaged; (2) receiving, at the one or
more processors or an associated transceiver, sensor data regarding
previous use, or engagement and disengagement, of the one or more
autonomous operation features of the vehicle by a vehicle operator
during the plurality of weather and road conditions, via wireless
communication or data transmission transmitted from a
vehicle-mounted transceiver or a mobile device of the vehicle
operator; (3) determining, by the one or more processors, from
analysis of the sensor data received a plurality of expected use
levels of the vehicle during the plurality of weather and road
operating conditions, wherein the expected use levels indicate
whether or not the vehicle operator is expected to engage or
disengage the one or more autonomous operation features during each
of the plurality of weather and road operating conditions; (4)
determining, by the one or more processors, from analysis of the
sensor data received, or from analysis of other vehicle or
telematics data received from the vehicle or mobile device, an
average amount of time or miles that the vehicle operator operates
the vehicle during each of the plurality of weather and road
operating conditions for a given period of time; and/or (5)
determining, by the one or more processors, a total risk level
associated with overall operation of the vehicle based at least in
part upon (a) the determined risk profile, (b) the determined
expected use levels that indicate whether or not the vehicle
operator is expected to engage or disengage the one or more
autonomous operation features during each of the plurality of
weather and road operating conditions, and (c) the average amount
of time or miles that the vehicle operator operates the vehicle
during each of the plurality of weather and road operating
conditions for a given period of time to facilitate more accurate
risk assessment and auto insurance pricing.
[0197] The foregoing methods may include additional, less, or
alternate actions, including those discussed elsewhere herein. The
foregoing methods may be implemented via one or more local or
remote processors or transceivers, and/or via computer-executable
instructions stored on non-transitory computer-readable media or
medium.
Autonomous Vehicle Insurance Policies
[0198] 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. Autonomous operation features may include semi-autonomous
operation features configured to control a part of the operation of
the vehicle while the vehicle operator control other aspects of the
operation of the vehicle. The term "autonomous vehicle" means a
vehicle including at least one autonomous operation feature,
including semi-autonomous vehicles. 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. Operating input from a
vehicle operator excludes selection of a destination or selection
of settings relating to the one or more autonomous operation
features.
[0199] 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.
[0200] 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).
[0201] 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
[0202] 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.
[0203] 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).
[0204] 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.
[0205] 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.
[0206] 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.
[0207] Accordingly, the term "hardware module" 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 modules are temporarily
configured (e.g., programmed), each of the hardware modules need
not be configured or instantiated at any one instance in time. For
example, where the hardware modules comprise a general-purpose
processor configured using software, the general-purpose processor
may be configured as respective different hardware modules at
different times. 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.
[0208] Hardware modules can provide information to, and receive
information from, other hardware modules. Accordingly, the
described hardware modules may be regarded as being communicatively
coupled. Where multiple of such hardware modules exist
contemporaneously, communications may be achieved through signal
transmission (e.g., over appropriate circuits and buses) that
connect the hardware modules. In embodiments in which multiple
hardware modules are configured or instantiated at different times,
communications between such hardware modules may be achieved, for
example, through the storage and retrieval of information in memory
structures to which the multiple hardware modules have access. For
example, one hardware module may perform an operation and store the
output of that operation in a memory device to which it is
communicatively coupled. A further hardware module may then, at a
later time, access the memory device to retrieve and process the
stored output. Hardware modules may also initiate communications
with input or output devices, and can operate on a resource (e.g.,
a collection of information).
[0209] 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.
[0210] Similarly, the methods or routines described herein may be
at least partially processor-implemented. For example, at least
some of the operations of a method may be performed by one or more
processors or processor-implemented hardware modules. 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.
[0211] 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 one or more processors or
processor-implemented modules may be located in a single geographic
location (e.g., within a home environment, an office environment,
or a server farm). In other example embodiments, the one or more
processors or processor-implemented modules may be distributed
across a number of geographic locations.
[0212] 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.
[0213] 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.
[0214] 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.
[0215] 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. For example, a condition A or B is
satisfied by any one of the following: A is true (or present) and B
is false (or not present), A is false (or not present) and B is
true (or present), and both A and B are true (or present).
[0216] 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. This description, and the claims that follow, should
be read to include one or at least one and the singular also
includes the plural unless it is obvious that it is meant
otherwise.
[0217] 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.
[0218] 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.
[0219] 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.
[0220] While the preferred embodiments of the invention have been
described, it should be understood that the invention is not so
limited and modifications may be made without departing from the
invention. The scope of the invention is defined by the appended
claims, and all devices that come within the meaning of the claims,
either literally or by equivalence, are intended to be embraced
therein.
[0221] It is therefore intended that the foregoing detailed
description be regarded as illustrative rather than limiting, and
that it be understood that it is the following claims, including
all equivalents, that are intended to define the spirit and scope
of this invention.
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