Systems and methods for assessing risk based on driver gesture behaviors

A non-transitory computer-readable storage medium including computer-readable instructions to be executed on one or more processors of a computing device for assessing risk based on driver gesture behaviors, the instructions when executed causing the one or more processors to:

• for each of a plurality of driving sessions:
• identifying a hand placement of a driver, via a mobile device and a behavior classification module, relative to a steering wheel of a vehicle;
• transmitting, to an on-board computer of the vehicle, the detected hand placement relative to the steering wheel;
• and
• for each of the plurality of driving sessions, causing the on-board computer of the vehicle to calculate an overall driver score for the driver that accounts for the detected hand placement relative to the steering wheel by:
• (i) for each detected hand placement for each of the plurality of driving sessions, correlating the detected hand placement relative to the steering wheel to a non-binary value representing a risk of loss;
• (ii) determining a plurality of driving session ratings including a driving session rating corresponding to each of the plurality of driving sessions, wherein each driving session rating is determined based on the non-binary value representing the risk of loss correlated with the hand placement detected during the driving session corresponding to the driving session rating;
• and
• (iii) calculating the overall driver score for the driver based on the plurality of driving session ratings determined for the plurality of driving sessions;
• and displaying (i) the determined driving session rating for each of the plurality of driving sessions and (ii) the overall driving score.

A system for assessing risk based on driver gesture behaviors, the system comprising:

• a mobile device;
• and
• an on-board computer of a vehicle, each of the mobile device and on-board computer includes a memory storing instructions for execution on one or more processors,
• wherein the instructions stored in the memory of the on-board computer, when executed by the one or more processors of the on-board computer, cause the on-board computer to:
• (i) for each of a plurality of driving sessions:
• detect, via a motion sensing device and a behavior classification module, a hand placement relative to a steering wheel;
• and
• (ii) transmit the detected hand placements for each of the plurality of driving sessions to the mobile device;
• and
• wherein the instructions stored in the memory of the mobile device, when executed by the one or more processors of the mobile device, cause the mobile device to:
• (i) receive the hand placements detected for each of the plurality of driving sessions;
• (ii) for each of the detected hand placements for each of the plurality of driving sessions, correlate the detected hand placement relative to the steering wheel to a non-binary value representing a risk of loss;
• (iii) determine a plurality of driving session ratings including a driving session rating corresponding to each of the plurality of driving sessions, wherein each driving session rating is determined based on the non-binary value representing the risk of loss correlated with the detected hand placement detected during the driving session corresponding to the driving session rating;
• (iv) determine an overall driver score for the driver based on the plurality of driving session ratings determined for the plurality of driving sessions;
• and
• (v) display the determined driving session rating for each of the plurality of driving sessions and the overall driver score.