发明授权
- 专利标题： Method for determining hazard detection proficiency and rating insurance products based on proficiency
- 专利标题（中）： 根据熟练程度确定危害检测能力和评估保险产品的方法
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申请号： US13958549申请日： 2013-08-03
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公开(公告)号： US09384674B2公开(公告)日： 2016-07-05
- 发明人: John Adrian Nepomuceno
- 申请人： State Farm Mutual Automobile Insurance Company
- 申请人地址： US IL Bloomington
- 专利权人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- 当前专利权人： STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
- 当前专利权人地址： US IL Bloomington
- 代理机构： Slayden Grubert Beard PLLC
- 主分类号： G06Q40/08
- IPC分类号： G06Q40/08 ; G09B9/05 ; G09B19/16 ; G09B19/14 ; A63G31/16 ; G09B9/02 ; G09B9/052 ; G09B9/04
摘要：
A method for determining an insurance premium based at least in part of a vehicle driver's proficiency at detecting hazards, having steps including: visually presenting at least one driving module that comprises at least one hazard; recording where within the visual presentation the driver looks to detect hazards during the visual presentation; determining the driver's hazard detection proficiency by evaluating whether the driver looked at hazards during the visual presentation; and calculating an insurance premium based at least in part on the driver's hazard detection proficiency.
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