Recommendations to an operator of vehicle based upon vehicle usage detected by in-car audio signals

A system for providing recommendations regarding a vehicle operator comprising:

• a memory configured to store non-transitory computer executable instructions;
• and
• a processor configured to interface with the memory, wherein the processor is configured to execute the non-transitory computer executable instructions to cause the processor to:
• transmit a plurality of requests to a vehicle to emit a locationing pulse from an audio subsystem of the vehicle, the locationing pulse being used to determine seat occupancy of the vehicle;
• evaluate occupancy data of one or more seats inside the vehicle based on the locationing pulse emitted from the audio subsystem of the vehicle and the locationing pulse received by a microphone, wherein the occupancy data includes at least identities of one or more non-driver passengers inside the vehicle;
• determine a vehicle usage profile based upon at least the occupancy data indicative of whether one or more non-driver passengers occupied the vehicle during a period of operation of the vehicle;
• and
• transmit a recommendation to a person associated with the vehicle based upon the determined vehicle usage profile.

A computer-implemented method of recommending insurance coverage adjustment for a vehicle, the method comprising:

• transmitting a plurality of requests to a vehicle to emit a locationing pulse from an audio subsystem of the vehicle, the locationing pulse being used to determine seat occupancy of the vehicle;
• evaluating occupancy data of one or more seats inside the vehicle based on the locationing pulse emitted from the audio subsystem of the vehicle and the locationing pulse received by a microphone,
• determining a vehicle usage profile based upon at least the occupancy data indicative of whether one or more non-driver passengers occupied the vehicle during a period of operation of the vehicle;
• and
• transmitting a recommendation to alter insurance coverage of the vehicle based upon the determined vehicle usage profile.