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    Fully autonomous vehicle insurance pricing
    51.
    发明授权
    Fully autonomous vehicle insurance pricing 有权

    公开(公告)号：US10089693B1

    公开(公告)日：2018-10-02

    申请号：US14713271

    申请日：2015-05-15

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/08

    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.

    Autonomous vehicle damage and salvage assessment
    52.
    发明授权
    Autonomous vehicle damage and salvage assessment 有权

    公开(公告)号：US10086782B1

    公开(公告)日：2018-10-02

    申请号：US15409340

    申请日：2017-01-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: B60R16/023 ,  G05D1/00 ,  G06Q40/08 ,  G07C5/00 ,  G07C5/08

    Abstract: 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
    53.
    发明授权
    Autonomous electric vehicle charging 有权

    公开(公告)号：US10065517B1

    公开(公告)日：2018-09-04

    申请号：US15409220

    申请日：2017-01-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: B60L9/00 ,  B60L11/18 ,  G01C21/34 ,  G06Q40/08

    Abstract: 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.

    Autonomous vehicle collision risk assessment
    54.
    发明授权
    Autonomous vehicle collision risk assessment 有权

    公开(公告)号：US10026130B1

    公开(公告)日：2018-07-17

    申请号：US14713184

    申请日：2015-05-15

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/08

    Abstract: Methods and systems for determining collision risk associated with operation of partially 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 collision risk levels associated with the features, which may be based upon test data regarding the features or actual collisions. Additional collision risk levels associated with operation by a vehicle operator may also be determined. Expected use levels may further be determined and used with the collision risk levels to determine a total collision risk level associated with operation of the vehicle. The expected use levels may include feature use levels set by the operator under various environmental conditions.

    Accident fault determination for autonomous vehicles
    55.
    发明授权
    Accident fault determination for autonomous vehicles 有权

    公开(公告)号：US09972054B1

    公开(公告)日：2018-05-15

    申请号：US14951798

    申请日：2015-11-25

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/08 ,  G05D1/00 ,  G07C5/08

    CPC classification number: G06Q40/08 ,  G05D1/0088 ,  G07C5/08

    Abstract: 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.

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