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US 9,189,895 B2Granted
Motor vehicle operating data collection and analysis
AssigneeAllstate Insurance Company
InventorsJoseph Patrick Phelan, Johannes A. Perquin
Life of this patent
Estimating the term…
Abstract
A method and apparatus for collecting and evaluating powered vehicle operation utilizing on-board diagnostic components and location determining components or systems. The invention creates one or more databases whereby identifiable behavior or evaluative characteristics can be analyzed or categorized. The evaluation can include predicting likely future events. The database can be correlated or evaluated with other databases for a wide variety of uses.
Claims3
A method comprising:
- recording, by a driving data recorder, vehicle speed data corresponding to a vehicle's movement at periodic intervals;
- detecting, by the driving data recorder, excess speed events when the vehicle speed data passes over a predetermined speed limit;
- determining, by the driving data recorder, that time of day is after-sunset;
- determining, by the driving data recorder, that the excess speed event occurred during the after-sunset time of day;
- responsive to the determining that the excess speed event occurred during the after-sunset time of day, negatively adjusting a safety rating associated with the vehicle of a driver;
- and
- recording, by the driving data recorder, the adjusted safety rating.
4 more elements
Dependencies are inferred from the claim text.