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    Risk mitigation for affinity groupings
    11.
    发明授权
    Risk mitigation for affinity groupings 有权

    公开(公告)号：US11574368B1

    公开(公告)日：2023-02-07

    申请号：US16892500

    申请日：2020-06-04

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Leif Agerholm Roll ,  Craig Dean Isaacs ,  Eric Webster ,  Gregory L. Hayward

    IPC: G06Q40/08 ,  G06Q40/06 ,  G06Q10/10 ,  G06Q30/08

    Abstract: Multiple insurance policies may be grouped or segmented into affinity groups, each of which corresponds to a respective risk level. A set of one or more financial instruments corresponding to a particular affinity group of insurance policies may be created and offered. One or more parties may be procured as investors in at least a portion of the set of financial instruments, thereby securitizing the risk associated with the insurance policies. Profits and/or losses generated by the insurance policies of the affinity group corresponding to the financial instruments may be distributed in accordance with the terms of the financial agreement.

    Detecting and responding to autonomous vehicle incidents
    12.
    发明授权
    Detecting and responding to autonomous vehicle incidents 有权

    公开(公告)号：US11440494B1

    公开(公告)日：2022-09-13

    申请号：US16669097

    申请日：2019-10-30

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Blake S. Konrardy ,  Gregory L. Hayward ,  Scott Farris ,  Scott T. Christensen

    IPC: H04L12/28 ,  B60R21/0136 ,  G05D1/00 ,  G07C5/00 ,  G07C5/08 ,  B60R21/34 ,  B60R21/01 ,  B60R21/00

    Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicles and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Vehicle collision and/or smart home incident monitoring, damage detection, and responses are also described, with particular focus on the particular challenges associated with incident response for unoccupied vehicles and/or smart homes. Operating data associated with the autonomous vehicle and/or smart home may be received. Within the operating, an unusual condition indicative of a likelihood of incident may be detected. Based on the unusual condition, it may be determined that the incident occurred. Accordingly, a response to the incident may be determined. The response may be implemented by the autonomous vehicle and/or smart home.

    Automobile Monitoring Systems and Methods for Risk Determination
    14.
    发明申请
    Automobile Monitoring Systems and Methods for Risk Determination 有权

    公开(公告)号：US20210256616A1

    公开(公告)日：2021-08-19

    申请号：US16136370

    申请日：2018-09-20

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Gregory L. Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

    IPC: G06Q40/08 ,  G06N3/08 ,  G10L15/26 ,  G06K9/72 ,  G06F17/30

    Abstract: A method of determining an automobile-based risk level via one or more processors includes training a machine learning program, such as a neural network, to identify risk factors within electronic claim features, receiving information corresponding to one or both of (i) an automobile, such as an autonomous or semi-autonomous vehicle, and (ii) an automobile operator, analyzing the information using the trained machine learning program to generate one or more risk indicators, determining, by analyzing the risk indicators, a risk level corresponding to the automobile, and/or displaying, to a user, a quotation based upon analyzing the risk indicators. The risk factors, risk indicators, and/or risk level may be used for many purposes, such as pricing, quoting, and/or underwriting of insurance policies.

    Real property monitoring systems and methods for detecting damage and other conditions
    16.
    发明授权
    Real property monitoring systems and methods for detecting damage and other conditions 有权

    公开(公告)号：US10943464B1

    公开(公告)日：2021-03-09

    申请号：US16668072

    申请日：2019-10-30

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Gregory L. Hayward ,  Meghan Sims Goldfarb ,  Nicholas U. Christopulos ,  Erik Donahue

    IPC: G08B25/01 ,  G06Q40/08 ,  G06N20/00 ,  G08B23/00

    Abstract: Machine learning systems, methods, and techniques for detecting damage and/or other conditions associated with a building, land, structure, or other real property using a real property monitoring system are disclosed. The property monitoring system is used in conjunction with machine learning techniques to determine and/or predict various conditions associated with the real property, including particular damage thereto, e.g., based upon dynamic characteristic data obtained via on-site sensors, static characteristic data, third-party input descriptive of an event impacting the building, etc. Accordingly, damage and/or loss associated with the building/real property is more quickly and/or accurately ascertained so that suitable mitigation techniques may be applied. In some scenarios, previously undetectable or uncharacterized damage and/or other conditions may be discovered and mitigated.

    Facilitating safer vehicle travel utilizing telematics data
    18.
    发明授权
    Facilitating safer vehicle travel utilizing telematics data 有权

    公开(公告)号：US10042364B1

    公开(公告)日：2018-08-07

    申请号：US15860841

    申请日：2018-01-03

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Gregory L. Hayward

    IPC: G05D1/02 ,  G08G1/01 ,  G01S19/47 ,  G01S19/51 ,  G01C21/34

    Abstract: Various devices are described, which are configured to use telematics data from one driver to facilitate safer vehicle travel for another driver. A remote server may include (1) a communication unit configured to receive a broadcast including telematics data generated and transmitted from a first mobile device or smart vehicle; and (2) a processor configured to determine (i) a travel event; (ii) a GPS location of the travel event; and/or (iii) an estimated or actual geographical or temporal scope of the travel event from computer analysis of the telematics data. The remote server may transmit a travel event-related wireless communication to a second mobile device or smart vehicle to facilitate safer vehicle travel for a second driver or vehicle based upon the telematics data associated with the first driver/vehicle. Insurance discounts may be provided for individuals or vehicles based upon having or using the risk mitigation or prevention functionality.

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