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US 11,891,072 B2Granted
Context-based grading
AssigneeAllstate Insurance Company
InventorDana Ferguson
Life of this patent
Estimating the term…
Abstract
A driving analysis server may be configured to receive vehicle operation data from mobile devices respectively disposed within the vehicles, and may use the data to group the vehicles into multiple groups. A driving pattern for each vehicle may be established and compared against a group driving pattern of its corresponding group to identify outliers. A driver score the outliers may be adjusted positively or negatively based on whether the outlier behaved in a manner more or less safe than its group. Further, unsafe driving events performed by the outlier that were the result of another vehicle's unsafe driving event may be ignored or positively accounted for in determining or adjusting the outlier's driver score.
Claims20
A method comprising:
- receiving telematics data from two or more vehicles;
- determining a time of an accident based on the telematics data received from the two or more vehicles;
- determining, from the two or more vehicles, a vehicle that was within a preset distance of the accident;
- determining whether the vehicle performed a high-risk driving event based on the telematics data compared with at least a threshold during a timeframe prior to the time of the accident;
- responsive to determining that the vehicle performed the high-risk driving event during the timeframe prior to the accident, determining whether the high-risk driving event caused the accident;
- negatively adjust, based on the determination the high-risk driving event caused the accident, a driver score of the vehicle, wherein the driver score is an indication of a driving pattern of the vehicle compared to a normalized group driving pattern representative of driving behavior of the two or more vehicles;
- positively adjust or maintain, based on the determination the high-risk driving event did not cause the accident, a driver score of the vehicle;
- and
- automatically present the driver score as (i) an audio output via one or more speakers, (ii) a textual output, audiovisual output, graphical output, or a combination thereof via a video display device, or (iii) a combination thereof.
6 more elements
A non-transitory computer readable medium storing instructions that, executed by a computing device, cause the computing device to:
- receive telematics data from two or more vehicles;
- determine a time of an accident based on the telematics data received from the two or more vehicles;
- determine, from the two or more vehicles, a vehicle that was within a preset distance of the accident;
- determine whether the vehicle performed a high-risk driving event based on the telematics data compared with at least a threshold during a timeframe prior to the time of the accident;
- responsive to determining that the vehicle performed the high-risk driving event during the timeframe prior to the accident, determining whether the high-risk driving event caused the accident;
- negatively adjust, based on the determination the high-risk driving event caused the accident, a driver score of the vehicle, wherein the driver score is an indication of a driving pattern of the vehicle compared to a normalized group driving pattern representative of driving behavior of the two or more vehicles;
- positively adjust or maintain, based on the determination the high-risk driving event did not cause the accident, a driver score of the vehicle;
- and
- automatically present the adjusted driver score as (i) an audio output via one or more speakers, (ii) a textual output, audiovisual output, graphical output, or a combination thereof via a video display device, or (iii) a combination thereof.
6 more elements
An apparatus comprising:
- one or more processors;
- and
- memory storing instructions that, executed by the one or more processors, cause the apparatus to:
- receive telematics data from two or more vehicles;
- determine a time of an accident based on the telematics data received from the two or more vehicles;
- determine, from the two or more vehicles, a vehicle that was within a preset distance of the accident;
- determine whether the vehicle performed a high-risk driving event based on the telematics data compared with at least a threshold during a timeframe prior to the time of the accident;
- responsive to determining that the vehicle performed the high-risk driving event during the timeframe prior to the accident, determining whether the high-risk driving event caused the accident;
- negatively adjust, based on the determination the high-risk driving event caused the accident, a driver score of the vehicle, wherein the driver score is an indication of a driving pattern of the vehicle compared to a normalized group driving pattern representative of driving behavior of the two or more vehicles;
- positively adjust or maintain, based on the determination the high-risk driving event did not cause the accident, a driver score of the vehicle;
- and
- automatically present the adjusted driver score as (i) an audio output via one or more speakers, (ii) a textual output, audiovisual output, graphical output, or a combination thereof via a video display device, or (iii) a combination thereof.
9 more elements
Dependencies are inferred from the claim text.