System for monitoring and using data indicative of driver characteristics based on sensors

An apparatus comprising:

• a processor;
• and
• non-transitory memory storing computer-executable instructions that, when executed by the processor, cause the apparatus to:
• establish, via a wireless or a wired network, communication with one or more sensors of a vehicle;
• receive sensor data corresponding to the vehicle;
• determine an origin of a trip associated with a user associated with the vehicle, a destination of the trip associated with the user, and a desired arrival time at the destination of the trip;
• determine, based on the sensor data, one or more of a fuel level of the vehicle or a battery level of the vehicle;
• based on the one or more of the fuel level of the vehicle or the battery level of the vehicle and the desired arrival time at the destination, determine a recommended departure time from the origin for the user, wherein determining the recommended departure time comprises:
• in response to determining that the one or more of the fuel level of the vehicle or the battery level of the vehicle is less than a threshold, determining that the vehicle will stop during the trip for refueling or recharging, and
• determining, based on the determining that the vehicle will stop during the trip for refueling or recharging, the recommended departure time;
• determine, based on the sensor data, a departure time from the origin for the user;
• compare the departure time to the recommended departure time;
• determine a value of a property of insurance for the user based on the comparing the departure time to the recommended departure time;
• generate a notification for the user of a first value of the property of insurance if the user departs the origin at or before the recommended departure time and a second value of the property of insurance if the user departs the origin after the recommended departure time;
• determine, based on user input in response to an option presented to the user, that the user provides permission to send a notification indicating that the user will arrive at the destination later than the desired arrival time prior to sending the notification;
• and
• adjust, based on the user providing the user permission to send the notification indicating that the user will arrive at the destination later than the desired arrival time, the value of the property of insurance for the user.

A non-transitory, computer readable medium storing computer-readable instructions that, when executed, cause a driving characteristic computing device to:

• establish, via a wireless or a wired network, communication with one or more sensors of a vehicle;
• receive sensor data corresponding to the vehicle;
• determine an origin of a trip associated with a user associated with the vehicle, a destination of the trip associated with the user, and a desired arrival time at the destination of the trip;
• determine, based on the sensor data, one or more of a fuel level of the vehicle or a battery level of the vehicle;
• based on the one or more of the fuel level of the vehicle or the battery level of the vehicle and the desired arrival time at the destination, determine a recommended departure time from the origin for the user, wherein determining the recommended departure time comprises:
• in response to determining that the one or more of the fuel level of the vehicle or the battery level of the vehicle is less than a threshold, determining that the vehicle will stop during the trip for refueling or recharging, and
• determining, based on the determining that the vehicle will stop during the trip for refueling or recharging, the recommended departure time;
• determine, based on the sensor data, a departure time from the origin for the user;
• compare the departure time to the recommended departure time;
• determine a value of a property of insurance for the user based on the comparing the departure time to the recommended departure time;
• generate a notification for the user of a first value of the property of insurance if the user departs the origin at or before the recommended departure time and a second value of the property of insurance if the user departs the origin after the recommended departure time;
• generate an option to send a notification indicating that the user will arrive at the destination later than the desired arrival time;
• determine, based on whether the user selected the option, that the user permits sending of the notification prior to sending the notification;
• and
• adjust, based on the user providing the user permission to send the notification indicating that the user will arrive at the destination later than the desired arrival time, the value of the property of insurance for the user.