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    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes
    81.
    发明申请
    Vehicle Image and Sound Data Gathering for Insurance Rating Purposes 有权
    车辆图像和声音数据收集保险等级目的

    公开(公告)号：US20140257872A1

    公开(公告)日：2014-09-11

    申请号：US14203344

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Scott T. Christensen ,  Gregory Hayward ,  Christopher E. Gay ,  Steven Cielocha ,  Todd Binion

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    Abstract: A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.

    Abstract translation: 方法和计算机系统向保单持有人提供车辆保险承保和评级。 该方法和系统从策略持有者接收与车辆相关联的捕获的传感器数据。 例如，捕获的传感器数据可以包括车辆图像和声音数据。 方法和系统可以将接收到的数据与基线数据进行比较，以确定车辆的运行状况。 至少部分地基于车辆的确定的运行状况，该方法和系统可以识别车辆的损失风险。 方法和系统可以至少部分地基于所识别的损失风险来确定车辆的保险费，并向保单持有人提供确定的保险费。 在一些实施例中，传感器数据是由用户的移动电话捕获的图像和声音数据。

    SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES
    82.
    发明申请
    SYSTEMS AND METHODS FOR PROCESSING CREDITS FOR DISTANCE-BASED INSURANCE POLICIES 审中-公开
    用于处理基于距离的保险政策信用的系统和方法

    公开(公告)号：US20140257865A1

    公开(公告)日：2014-09-11

    申请号：US14202660

    申请日：2014-03-10

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Christopher E. Gay ,  Scott T. Christensen ,  Gregory Hayward ,  Steven Cielocha ,  Todd Binion

    IPC: G06Q40/08

    CPC classification number: G06Q40/08 ,  B60C1/00 ,  B60Q1/00 ,  B60R25/20 ,  G06Q30/0207 ,  G06Q30/0208 ,  G06Q40/00 ,  G07C5/00 ,  G07C5/008

    Abstract: Methods and systems for processing credits for customers having distance-based insurance policies for vehicles. According to aspects, a distance-based insurance policy of a vehicle specifies an amount of distance units for insured vehicle travel and has an associated policy term. Upon expiration of the policy term, an insurance provider receives an odometer reading and uses the odometer reading to calculate an amount of unused distance units. The insurance provider may determine one or more types of credit that are based on the amount of unused distance units. The insurance provider may also apply the one or more types of credit to an account of the customer.

    Abstract translation: 为具有基于距离的车辆保险单的客户处理信用的方法和系统。 根据方面，车辆的基于距离的保险单规定了保险车辆行驶距离单位的数量，并具有相关联的策略项。 在保单期限届满后，保险提供者收到里程表读数，并使用里程表读数来计算未使用的距离单位的数量。 保险提供者可以基于未使用的距离单位的数量确定一种或多种类型的信用。 保险提供者也可以将一种或多种类型的信用额度应用于客户的账户。

    SYSTEMS AND METHODS FOR ALLOCATING VEHICLE COSTS BETWEEN VEHICLE USERS FOR ANTICIPATED TRIPS
    83.
    发明公开
    SYSTEMS AND METHODS FOR ALLOCATING VEHICLE COSTS BETWEEN VEHICLE USERS FOR ANTICIPATED TRIPS 审中-公开

    公开(公告)号：US20240242292A1

    公开(公告)日：2024-07-18

    申请号：US18621455

    申请日：2024-03-29

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Gregory Hayward ,  Scott Christensen

    IPC: G06Q40/08 ,  G06Q30/0283 ,  G07C5/00 ,  G07C5/02

    CPC classification number: G06Q40/08 ,  G06Q30/0283 ,  G07C5/008 ,  G07C5/02

    Abstract: Vehicle costs may be allocated between users of a vehicle, including autonomous vehicles. A vehicle cost allocation (VCA) computing device receives an anticipated trip report associated with an anticipated future trip, the anticipated trip report associated with at least one vehicle user including an anticipated driver of the vehicle and an anticipated passenger, the anticipated trip report including at least one of an anticipated destination and a distance of the anticipated future trip. The VCA computing device is also configured to determine one or more anticipated vehicle costs for the anticipated future trip. The vehicle costs may include usage-based or trip-based insurance. The VCA computing device is also configured to allocate a respective portion of the vehicle cost to the anticipated driver and passenger and transmit the anticipated vehicle costs to for review by the anticipated driver.

    Virtual testing of autonomous environment control system
    88.
    发明授权
    Virtual testing of autonomous environment control system 有权

    公开(公告)号：US11656978B1

    公开(公告)日：2023-05-23

    申请号：US17003674

    申请日：2020-08-26

    Applicant: State Farm Mutual Automobile Insurance Company

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

    IPC: G06F11/36 ,  G16Y30/00 ,  G16Y10/80

    CPC classification number: G06F11/3692 ,  G06F11/3688 ,  G16Y10/80 ,  G16Y30/00

    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. Such assessment may be performed to determine the robustness of autonomous systems, including the use of virtual assessment of software components within a simulated environment. To this end, a server may retrieve one or more routines associated with autonomous operation. The server may also generate a set of test data associated with test conditions. The server may also execute an emulator that virtually simulates autonomous environment. The test data may be presented to the routines executing in the emulator to generate output data. The server may then analyze the output data to determine a quality metric.

    Providing insurance discounts based upon usage of telematics data-based risk mitigation and prevention functionality
    89.
    发明授权
    Providing insurance discounts based upon usage of telematics data-based risk mitigation and prevention functionality 有权

    公开(公告)号：US11538114B1

    公开(公告)日：2022-12-27

    申请号：US16828249

    申请日：2020-03-24

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Gregory Hayward

    IPC: G06Q40/08 ,  G08G1/0968

    Abstract: A computer-implemented method of updating an auto insurance policy is provided. The method may include (1) determining that a customer's mobile device has a Telematics Application (“App”) installed on it, the Telematics App configured to (i) receive telematics data associated with another vehicle via a wireless communication broadcast; (ii) determine a travel event from analysis of the telematics data received, and (iii) generate a corrective action based upon the telematics data received or travel event determined that alleviates the risk of vehicle collision. The method may also include (2) monitoring, with the customer's permission, an amount or percentage of usage of the Telematics App on the customer's mobile device while the customer is driving in an insured vehicle; and (3) adjusting an insurance policy premium or discount based upon usage of the Telematics App to facilitate rewarding risk-averse drivers and encourage usage of risk mitigation or prevention technology.

    Taking corrective action based upon telematics data broadcast from another vehicle
    90.
    发明授权
    Taking corrective action based upon telematics data broadcast from another vehicle 有权

    公开(公告)号：US11473919B1

    公开(公告)日：2022-10-18

    申请号：US16987366

    申请日：2020-08-06

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Gregory Hayward

    IPC: G01C21/34 ,  G06Q40/08 ,  G05D1/00 ,  G01S19/13 ,  G01C21/36

    Abstract: A computer-implemented method of using telematics data associated with an originating vehicle at a destination vehicle is provided. The method may include receiving telematics data associated with the originating vehicle by (1) a mobile device or (2) a smart vehicle controller associated with a driver or vehicle. The mobile device or smart vehicle controller may analyze the telematics data received to determine that (i) a travel event exists, or (ii) that a travel event message or warning is embedded within the telematics broadcast received. If the travel event exits, the method may include automatically taking a preventive or corrective action, at or via the mobile device or smart vehicle controller, which alleviates a negative impact of the travel event on the driver or vehicle to facilitate safer or more efficient vehicle travel. Insurance discounts may be provided to insureds based upon their usage of the risk mitigation or prevention functionality.

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