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    Accident fault determination for autonomous vehicles
    83.
    发明授权
    Accident fault determination for autonomous vehicles 有权

    公开(公告)号：US10373265B1

    公开(公告)日：2019-08-06

    申请号：US15907380

    申请日：2018-02-28

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06Q40/08 ,  B60W50/02 ,  G07C5/08 ,  G07C5/00 ,  G06Q40/00

    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.

    Autonomous vehicle operation feature evaluation
    85.
    发明授权
    Autonomous vehicle operation feature evaluation 有权

    公开(公告)号：US10223479B1

    公开(公告)日：2019-03-05

    申请号：US14713244

    申请日：2015-05-15

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G06F17/50 ,  G06Q40/08 ,  G05B15/02

    Abstract: Methods and systems for testing the operation of autonomous or semi-autonomous operation features in a virtual test environment are provided. Computer-executable instructions for implementing the features may be received and executed on a test device. Test input signals may be presented to software routines associated with the features, which may generate output signals including control commands. The output signals may be used to predict the response of a vehicle in the virtual test environment, which may include a simulation of vehicle responses to the output signals. Measures of the effectiveness of the features may be determined based upon the predicted responses of the vehicle, which may then be used to determine risk levels associated with the features.

    Autonomous communication feature use
    86.
    发明授权
    Autonomous communication feature use 有权

    公开(公告)号：US10181161B1

    公开(公告)日：2019-01-15

    申请号：US14713194

    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 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 collision risk levels for a plurality of features, which may be based upon test data regarding the features or actual collision data. Expected use levels and autonomous communication 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 autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication.

    System and method for determining and monitoring auto insurance incentives
    87.
    发明授权
    System and method for determining and monitoring auto insurance incentives 有权

    公开(公告)号：US10176530B1

    公开(公告)日：2019-01-08

    申请号：US15443936

    申请日：2017-02-27

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

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

    Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

    Autonomous vehicle refueling
    89.
    发明授权
    Autonomous vehicle refueling 有权

    公开(公告)号：US10042359B1

    公开(公告)日：2018-08-07

    申请号：US15413796

    申请日：2017-01-24

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

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

    IPC: G01C22/00 ,  G05D1/00 ,  G01C21/34

    Abstract: Methods and systems for autonomous vehicle recharging or refueling are disclosed. Autonomous vehicles may be automatically refueled by routing the vehicles to available fueling stations when not in operation, according to methods described herein. A fuel level within a tank of an autonomous vehicle may be monitored until it reaches a refueling 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 refuel the vehicle may be determined. In some embodiments, the vehicle may be controlled to automatically travel to a fueling station, refill a fuel tank, and return to its starting location in order to refuel when not in use.

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