Fully autonomous vehicle insurance pricing

A computer system for evaluating effectiveness of one or more autonomous operation features in controlling a vehicle, comprising:

• one or more processors;
• one or more communication modules adapted to communicate data;
• one or more test units configured to simultaneously test a plurality of autonomous operation features and to generate test results for the plurality of autonomous operation features including a plurality of versions of computer-readable instructions of at least one of the one or more autonomous operation features of the vehicle, wherein the test units generate the test results as control commands generated by the one or more autonomous operation features of the test units in response to test sensor data that simulates sensor data for an autonomous vehicle operating under a plurality of operating conditions within a virtual test environment, and wherein the test data is communicated to the one or more processors via the one or more communication modules;
• and
• a program memory coupled to the one or more processors and storing executable instructions that when executed by the one or more processors cause the computer system to:
• receive information regarding the one or more autonomous operation features of the vehicle under the plurality of operating conditions, the information identifying the one or more autonomous operation features of the vehicle, including an indication of a type and a current version of the plurality of versions of the at least one of the one or more autonomous operation features and an indication of a type and a version of an additional autonomous operation feature of the one or more autonomous operation features;
• determine a risk profile associated with autonomous operation of the vehicle based upon the information regarding the one or more autonomous operation features and the test results generated by the one or more test units, wherein the risk profile includes a plurality of risk levels associated with autonomous operation of the vehicle under the plurality of operating conditions by the one or more autonomous operation features, including a plurality of risk levels associated with the plurality of versions of the at least one of the one or more autonomous operation features, wherein each of the plurality of risk levels is determined based upon an effectiveness of a respective version of the plurality of versions of the at least one of the one or more autonomous operation features in controlling an aspect of operation of the vehicle under a respective operating condition of the plurality of operating conditions, and wherein each of the plurality of risk levels is also associated with the additional autonomous operation feature;
• determine a plurality of expected use levels of the vehicle, wherein the expected use levels are associated with the plurality of operating conditions and the current version of the plurality of versions of the at least one of the one or more autonomous operation features;
• determine a total risk level associated with autonomous operation of the vehicle by the current version of the plurality of versions of the at least one of the one or more autonomous operation features and the additional autonomous operation feature based at least in part upon the determined risk profile and the determined plurality of expected use levels;
• and
• cause one or more of the following actions to be performed based upon the determined total risk level:
• adjusting an insurance policy associated with the vehicle, determining a coverage level associated with the insurance policy, presenting information regarding the determined total risk level to a reviewer via a display of a reviewer computing device to verify the determined total risk level, or presenting the determination to a customer via a display of a customer computing device for review of an adjustment to the insurance policy associated with the vehicle.

A tangible, non-transitory computer-readable medium storing instructions for evaluating effectiveness of one or more autonomous operation features in controlling a vehicle that, when executed by at least one processor of a computer system, cause the computer system to:

• generate test results for a plurality of autonomous operation features including a plurality of versions of computer-readable instructions of at least one of the one or more autonomous operation features of the vehicle using one or more test units configured to simultaneously test the plurality of autonomous operation features, wherein the test units generate the test results as control commands generated by the one or more autonomous operation features of the test units in response to test sensor data that simulates sensor data for an autonomous vehicle operating under a plurality of operating conditions within a virtual test environment;
• receive information regarding the one or more autonomous operation features of the vehicle under the plurality of operating conditions, the information identifying the one or more autonomous operation features of the vehicle, including an indication of a type and a current version of the plurality of versions of the at least one of the one or more autonomous operation features and an indication of a type and a version of an additional autonomous operation feature of the one or more autonomous operation features;
• determine a risk profile associated with autonomous operation of the vehicle based upon the information regarding the one or more autonomous operation features and the test results generated by the one or more test units, wherein the risk profile includes a plurality of risk levels associated with autonomous operation of the vehicle under the plurality of operating conditions by the one or more autonomous operation features, including a plurality of risk levels associated with the plurality of versions of the at least one of the one or more autonomous operation features, wherein each of the plurality of risk levels is determined based upon an effectiveness of a respective version of the plurality of versions of the at least one of the one or more autonomous operation features in controlling an aspect of operation of the vehicle under a respective operating condition of the plurality of operating conditions, and wherein each of the plurality of risk levels is also associated with the additional autonomous operation feature;
• determine a plurality of expected use levels of the vehicle, wherein the expected use levels are associated with the plurality of operating conditions and the current version of the plurality of versions of the at least one of the one or more autonomous operation features;
• determine a total risk level associated with autonomous operation of the vehicle by the current version of the plurality of versions of the at least one of the one or more autonomous operation features and the additional autonomous operation feature based at least in part upon the determined risk profile and the determined plurality of expected use levels;
• and
• cause one or more of the following actions to be performed based upon the determined total risk level:
• adjusting an insurance policy associated with the vehicle, determining a coverage level associated with the insurance policy, presenting information regarding the determined total risk level to a reviewer via a display of a reviewer computing device to verify the determined total risk level, or presenting the determination to a customer via a display of a customer computing device for review of an adjustment to the insurance policy associated with the vehicle.