Fully autonomous vehicle insurance pricing

A computer-implemented method for monitoring usage of a vehicle having one or more autonomous operation features for controlling the vehicle, comprising:

• determining, by one or more processors, a risk profile associated with operation of the vehicle that includes a plurality of risk levels associated with operation of the vehicle (i) under a plurality of weather and road operating conditions with the one or more autonomous operation features of the vehicle engaged, and (ii) under the plurality of weather and road operating conditions with the one or more autonomous operation features of the vehicle disengaged;
• receiving, at the one or more processors or an associated transceiver, a log of usage data regarding previous use of the one or more autonomous operation features of the vehicle by a vehicle operator during the plurality of weather and road conditions, via wireless communication or data transmission transmitted from a mobile device of the vehicle operator in communication with an on-board computer of the vehicle, wherein the mobile device generates the log of usage data from the data received from the on-board computer during a vehicle trip, the log of usage data including:
• a timestamp indicating a beginning of the vehicle trip, a timestamp indicating an end of the vehicle trip, one or more timestamps associated with engagement or disengagement of the one or more autonomous operation features, and configuration data associated with the one or more autonomous operation features when engaged, and wherein the log of usage data further includes current weather and road conditions during the vehicle trip;
• determining, by the one or more processors, a plurality of expected use levels of the vehicle during the plurality of weather and road operating conditions, wherein the expected use levels indicate whether or not the vehicle operator is expected to engage or disengage the one or more autonomous operation features during each of the plurality of weather and road operating conditions as determined from processor analysis of the usage data received in the log of usage data;
• determining, by the one or more processors, a total risk level associated with overall operation of the vehicle based at least in part upon (a) the determined risk profile, and (b) the determined expected use levels that indicate whether or not the vehicle operator is expected to engage or disengage the one or more autonomous operation features during each of the plurality of weather and road operating conditions;
• determining, via the one or more processors, types of one or more sensors installed in the vehicle based upon sensor data received from the vehicle;
• and
• adjusting, via the one or more processors, the total risk level associated with autonomous operation of the vehicle based at least in part upon the types of sensors installed in the vehicle;
• and
• causing, by the one or more processors, one or more of the following actions to be performed based upon the determined total risk level:
• adjust an insurance policy associated with the vehicle, determine a coverage level associated with the insurance policy, present 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 present 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 computer system for monitoring usage of a vehicle having one or more autonomous operation features for controlling the vehicle, the system comprising one or more processors, one or more transceivers coupled to the one or more processors, and one or more program memories coupled to the one or more processors and storing executable instructions that cause the one or more processors to:

• determine a risk profile associated with operation of the vehicle that includes a plurality of risk levels associated with operation of the vehicle (i) under a plurality of weather and road operating conditions with the one or more autonomous operation features of the vehicle engaged, and (ii) under the plurality of weather and road operating conditions with the one or more autonomous operation features of the vehicle disengaged;
• receive a log of usage data regarding previous use of the one or more autonomous operation features of the vehicle by a vehicle operator during the plurality of weather and road conditions, via wireless communication or data transmission from a mobile device of the vehicle operator in communication with an on-board computer of the vehicle, wherein the mobile device generates the log of usage data from the data received from the on-board computer during a vehicle trip, the log of usage data including:
• a timestamp indicating a beginning of the vehicle trip, a timestamp indicating an end of the vehicle trip, one or more timestamps associated with engagement or disengagement of the one or more autonomous operation features, and configuration data associated with the one or more autonomous operation features when engaged, and wherein the log of usage data further includes current weather and road conditions during the vehicle trip;
• determine from analysis of the usage data received in the log of usage data a plurality of expected use levels of the vehicle during the plurality of weather and road operating conditions, wherein the expected use levels indicate whether or not the vehicle operator is expected to engage or disengage the one or more autonomous operation features during each of the plurality of weather and road operating conditions;
• determine from analysis of the usage data received in the log of usage data, or from analysis of other vehicle or telematics data received from the vehicle or mobile device, an average amount of time or miles that the vehicle operator operates the vehicle during each of the plurality of weather and road operating conditions for a period of time;
• determine a total risk level associated with overall operation of the vehicle based at least in part upon (a) the determined risk profile, (b) the determined expected use levels that indicate whether or not the vehicle operator is expected to engage or disengage the one or more autonomous operation features during each of the plurality of weather and road operating conditions, and (c) the average amount of time or miles that the vehicle operator operates the vehicle during each of the plurality of weather and road operating conditions for the period of time to facilitate more accurate risk assessment and auto insurance pricing;
• determine types of one or more sensors installed in the vehicle based upon sensor data received from the vehicle;
• and
• adjust the total risk level associated with autonomous operation of the vehicle based at least in part upon the types of sensors installed in the vehicle;
• and
• cause one or more of the following actions to be performed based upon the determined total risk level:
• adjust an insurance policy associated with the vehicle, determine a coverage level associated with the insurance policy, present 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 present 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.