Advanced vehicle operator intelligence system

A computer system for determining the status of a vehicle operator, comprising:

• one or more processors;
• one or more sensors;
• and
• a program memory coupled to the one or more processors and storing executable instructions that when executed by the one or more processors cause the computer system to:
• receive sensor data from the one or more sensors regarding at least three of the following:
• alertness of the vehicle operator, distractedness of the vehicle operator, emotional state of the vehicle operator, or vehicle operator workload due to traffic conditions;
• determine whether the vehicle operator is impaired, based on the received sensor data, with respect to at least two of the following vehicle operator states:
• alertness of the vehicle operator, diversion of the vehicle operator's attention from operation of the vehicle by one or more distractions within the vehicle, or emotional state of the vehicle operator, by causing the computer system to:
• calculate a plurality of impairment scores based on the received sensor data regarding the vehicle operator;
• calculate one or more total impairment scores associated with the status of vehicle operator from one or more of the plurality of impairment scores;
• and
• determine whether one or more of the total impairment scores fails to reach a minimum threshold value or exceeds a maximum threshold value;
• when it is determined that the vehicle operator is impaired, determine one or more responses to alert the vehicle operator of the impairment or mitigate the impairment, wherein the one or more responses are determined based at least in part upon the type of the impairment;
• cause the one or more responses to be implemented;
• and
• compare the total impairment scores associated with the status of the vehicle operator with total impairment scores associated with the statuses of other vehicle operators to adjust a risk level used in rating and underwriting an insurance policy of the vehicle operator.

A tangible, non-transitory computer-readable medium storing instructions for determining the status of a vehicle operator that when executed by one or more processors of a computer system cause the computer system to:

• receive sensor data from the one or more sensors regarding at least three of the following:
• alertness of the vehicle operator, distractedness of the vehicle operator, emotional state of the vehicle operator, vehicle operator workload due to traffic conditions;
• determine whether the vehicle operator is impaired, based on the received sensor data, with respect to at least two of the following vehicle operator states:
• alertness of the vehicle operator, diversion of the vehicle operator's attention from operation of the vehicle by one or more distractions within the vehicle, or emotional state of the vehicle operator, by causing the computer system to:
• calculate a plurality of impairment scores based on the received sensor data regarding the vehicle operator;
• calculate one or more total impairment scores associated with the status of vehicle operator from one or more of the plurality of impairment scores;
• and
• determine whether one or more of the total impairment scores fails to reach a minimum threshold value or exceeds a maximum threshold value;
• when it is determined that the vehicle operator is impaired, determine one or more responses to alert the vehicle operator of the impairment or mitigate the impairment, wherein the one or more responses are determined based at least in part upon the type of the impairment;
• cause the one or more responses to be implemented;
• and
• compare the total impairment scores associated with the status of the vehicle operator with total impairment scores associated with the statuses of other vehicle operators to adjust a risk level used in rating and underwriting an insurance policy of the vehicle operator.