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US Patent 10373259 Fully autonomous vehicle insurance pricing

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Contents

Is a
Patent
Patent

Patent attributes

Patent Applicant
State Farm
State Farm
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
10373259
Date of Patent
August 6, 2019
Patent Application Number
14951774
Date Filed
November 25, 2015
Patent Citations
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US Patent 10019901 Vehicular traffic alerts for avoidance of abnormal traffic conditions
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US Patent 10026130 Autonomous vehicle collision risk assessment
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US Patent 10026237 Shared vehicle usage, monitoring and feedback
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US Patent 10042359 Autonomous vehicle refueling
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US Patent 10055794 Determining autonomous vehicle technology performance for insurance pricing and offering
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US Patent 10043323 Accident response using autonomous vehicle monitoring
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US Patent 10065517 Autonomous electric vehicle charging
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US Patent 10089693 Fully autonomous vehicle insurance pricing
...
Patent Citations Received
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US Patent 12112387 Systems and methods for generating mobility insurance products using ride-sharing telematics data
0
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US Patent 11500377 Autonomous vehicle control assessment and selection
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US Patent 11513521 Autonomous vehicle refueling
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US Patent 12086583 Autonomous vehicle insurance based upon usage
0
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US Patent 12104912 Coordinated autonomous vehicle automatic area scanning
0
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US Patent 11494175 Autonomous vehicle operating status assessment
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US Patent 11532187 Autonomous vehicle operating status assessment
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US Patent 10650623 Detecting of automatic driving
...
Patent Primary Examiner
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I Jung Liu
Patent 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.

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