Determining autonomous vehicle technology performance for insurance pricing and offering

    公开(公告)号:US11062396B1

    公开(公告)日:2021-07-13

    申请号:US16017317

    申请日:2018-06-25

    IPC分类号: G06Q40/08

    摘要: Methods and systems for evaluating the effectiveness of autonomous operation features of autonomous vehicles are provided. According to certain aspects, information regarding autonomous operation features associated with a vehicle may be determined and used to determine a likelihood of an accident for the vehicle. Determining the likelihood of an accident may include determining risk factors for the features related to the ability of the features to make control decisions that successfully avoid accidents. This may include reference to test data or actual loss data associated with the features, as well as usage data regarding expected use of the features during vehicle operation. Effectiveness of the features may be evaluated relative to location or operating conditions, as well as types and severity of accidents. The determined effectiveness of the features of a vehicle may further be used to determine or adjust aspects of an insurance policy associated with the vehicle.

    AUTONOMOUS COMMUNICATION FEATURE USE AND INSURANCE PRICING

    公开(公告)号:US20210049705A1

    公开(公告)日:2021-02-18

    申请号:US17088806

    申请日:2020-11-04

    IPC分类号: G06Q40/08

    摘要: Methods and systems for determining risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine risk levels for a plurality of features, which may be based upon test data regarding the features or actual loss data. Expected use levels and autonomous communication levels may further be determined and used with the risk levels to determine a total risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication. The total risk level may be used to determine or adjust aspects of an insurance policy associated with the vehicle.

    Autonomous vehicle damage and salvage assessment

    公开(公告)号:US10829063B1

    公开(公告)日:2020-11-10

    申请号:US16033950

    申请日:2018-07-12

    摘要: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicle and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the condition of components for salvage following a collision or other loss-event. To this end, the information regarding a plurality of components may be received. A component of the plurality of components may be identified for assessment. Assessment may including causing test signals to be sent to the identified component. In response to the test signal, one or more responses may be received. The received response may be compared to an expected response to determine whether the identified component is salvageable.

    Autonomous electric vehicle charging

    公开(公告)号:US10828999B1

    公开(公告)日:2020-11-10

    申请号:US16043783

    申请日:2018-07-24

    摘要: Methods and systems for autonomous vehicle recharging or refueling are disclosed. Autonomous electric vehicles may be automatically recharged by routing the vehicles to available charging stations when not in operation, according to methods described herein. A charge level of the battery of an autonomous electric vehicle may be monitored until it reaches a recharging threshold, at which point an on-board computer may generate a predicted use profile for the vehicle. Based upon the predicted use profile, a time and location for the vehicle to recharge may be determined. In some embodiments, the vehicle may be controlled to automatically travel to a charging station, recharge the battery, and return to its starting location in order to recharge when not in use.

    Accident fault determination for autonomous vehicles

    公开(公告)号:US10719886B1

    公开(公告)日:2020-07-21

    申请号:US16407238

    申请日:2019-05-09

    摘要: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous and/or semi-autonomous operation features are provided. According to certain aspects, performance data indicative of the performance of the features may be used to determine fault for a vehicle accident, such as a collision, by allocating fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to determine an adjustment to an insurance policy and/or adjust coverage levels for an insurance policy. The allocation of fault may further be used to adjust risk levels or profiles associated with the autonomous or semi-autonomous operation features, which may be applied to other vehicles having the same or similar features.

    Autonomous vehicle routing
    69.
    发明授权

    公开(公告)号:US10386192B1

    公开(公告)日:2019-08-20

    申请号:US15409146

    申请日:2017-01-18

    摘要: Methods and systems for autonomous and semi-autonomous vehicle routing are disclosed. Roadway suitability for autonomous operation is scored to facilitate use in route determination. Maps of roadways suitable for various levels of autonomous operation may be generated. Such map data may be used by autonomous vehicles or other computer devices in determining routes based upon criteria for vehicle trips. Such routes may be automatically updated based upon changes in road conditions, vehicle conditions, operator conditions, or environmental conditions. Emergency routing using such map data is described, such as automatic routing and travel when a passenger is experiencing a medical emergency.

    Fully autonomous vehicle insurance pricing

    公开(公告)号:US10373259B1

    公开(公告)日:2019-08-06

    申请号:US14951774

    申请日:2015-11-25

    IPC分类号: G06Q40/08 G06Q40/00

    摘要: 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.