Assessing driver ability to operate an autonomous vehicle

A system for assessing capability of a driver of an autonomous vehicle, the system comprising:

• a processor configured to determine one or more human operator parameters associated with the human operator of the vehicle;
• an evaluator configured to evaluate, based on the one or more human operator parameters, an alertness level of the human operator of the vehicle and to evaluate an environment of the vehicle;
• a notification server of the vehicle configured to display a signal to the human operator, the signal requesting a response from the human operator;
• the evaluator further configured to receive the response from the human operator;
• an assessor configured to update a driving capability profile of the human operator to indicate a level of skill of the human operator at responding to the signal at the evaluated alertness level, the level of skill based at least in part on the response from the human operator to the signal.

A method of insuring a vehicle against loss, the method comprising:

• receiving, by one or more processors, a driving capability profile of a human operator of a vehicle;
• receiving, by the one or more processors, human operator parameters associated with the human operator of the vehicle;
• receiving, by the one or more processors, an environmental profile of the vehicle, the environmental profile of the vehicle reflecting conditions surrounding the vehicle;
• determining, by the one or more processors, an alertness level of the human operator based on the human operator parameters and the environmental profile;
• receiving, by the one or more processors, a response from the human operator to a signal, the signal displayed by a notification server of the vehicle to the human operator and requesting a response from the human operator;
• updating, by the one or more processors, based on the response from the human operator to the signal, the driving capability profile to indicate a level of skill of the human operator at responding to the signal at the determined alertness level;
• determining, by the one or more processors, a risk of insuring the vehicle, the risk being based at least in part on the updated driving capability profile and the environmental profile;
• and
• transmitting, by the one or more processors, an insurance offer to at least one of a notification server of the vehicle or an electronic device associated with the human operator, the insurance offer being based at least in part on the determined risk of insuring the vehicle.