472 results about "Driving risk" patented technology

A system, method, and computer-usable medium are disclosed for providing routing-based insurance. A telematics device exchanges information related to a user's traversal of a route with a routing-based insurance system. The telematics device determines the current location and destination of the user, which it provides to the routing-based insurance system, for processing to determine available route segments between the two locations. A set of risk score data is generated for each of the available route segments, which in turn is used to generate a set of risk score differential data. Route advisement data, comprising routing instructions and the set of risk score differential data for the route segment, is generated and provided to the telematics device. A route segment is selected by the user and then traversed. The set of risk score differential data associated with the traversed route segment is determined and associated with the user's insurance policy. Insurance policy price data, corresponding to the traversed route segment, is generated and in turn is processed to generate insurance policy adjustment data. The insurance policy price adjustment data is then processed to modify pricing data associated with the user's insurance policy.

A system for creating a coaching session comprises one or more processors and one or more memories. The one or more processors are in communication with the event detector and configured to: receive data of a driving event from an event detector associated with a vehicle; analyze the driving event data to identify risky driving behavior; and create a coaching session in order to reduce the identified risky driving behavior. The coaching session incorporates at least a portion of the data of the driving event. The one or more memories are coupled to the one or more processors and configured to provide the one or more processors instructions.

A system for evaluating risk in driving comprises a processor and a memory. The processor is configured to determine whether a spacial motion data does not fall within the vehicle profile and, in the event that the spacial motion data does not fall within the vehicle profile, to change class / type assignment associated with the vehicle and to modify a trigger threshold associated with an event detector that monitors the spacial motion data. The memory is coupled to the processor and is configured to provide the processor with instructions.

A system and method for providing driving risk assessment for a host vehicle equipped with on-board sensors or vehicle-to-vehicle or infrastructure-to-vehicle systems. The system includes a hierarchical index of passive driving conditions, a means of collecting active driving conditions and a processor whereby the sum of passive driving conditions may be further refined by the active driving conditions. The method incorporates a hierarchical index of risks associated with passive driving conditions, and refining said risks with active driving conditions of the vehicle to generating a driving risk assessment for current vehicle operation.