INCENTIVIZING AND/OR PENALIZING VEHICLE RENTERS BASED ON TELEMATICS DATA

    公开(公告)号:US20220172280A1

    公开(公告)日:2022-06-02

    申请号:US17673106

    申请日:2022-02-16

    Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

    Systems and methods for managing insurance premiums based upon peer-to-peer property sharing

    公开(公告)号:US11328363B1

    公开(公告)日:2022-05-10

    申请号:US16413245

    申请日:2019-05-15

    Abstract: A property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.

    Incentivizing and/or penalizing vehicle renters based on telematics data

    公开(公告)号:US11257146B1

    公开(公告)日:2022-02-22

    申请号:US16266879

    申请日:2019-02-04

    Abstract: In a method for applying penalties or incentives to a driver of a rented vehicle, an indication that the driver has agreed to terms for renting the vehicle from the vehicle owner is received, with the terms including the potential application of penalties or incentives to the driver based on driving behavior. Telematics data, indicative of operation of the rented vehicle by the driver during a period of time, is received. By analyzing the telematics data, one or more driving behaviors of the driver during the time period is/are identified. For each driving behavior, a corresponding state of an environment of the rented vehicle when the driving behavior occurred is determined. One or more penalties or incentives are caused to be applied to the driver, based on the driving behavior(s) and the corresponding state(s) of the environment of the rented vehicle.

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