Autonomous vehicle insurance pricing and offering based upon accident risk

A computer system for evaluating effectiveness of an autonomous or semi-autonomous vehicle technology, comprising:

• one or more processors;
• one or more communication modules adapted to communicate data;
• one or more computing systems configured to evaluate the autonomous or semi-autonomous vehicle technology operating within a virtual test environment configured to simultaneously test at least one additional autonomous or semi-autonomous vehicle technologies to generate test results for the autonomous or semi-autonomous vehicle technology, wherein the computing systems generate the test results as hardware or software responses of the autonomous or semi-autonomous vehicle technology to virtual test sensor data that simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment, and wherein the test results are communicated to the one or more processors via the one or more communication modules;
• 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 information regarding the test results;
• determine an indication of reliability of the autonomous or semi-autonomous vehicle technology based upon the test results, including compatibility of the autonomous or semi-autonomous vehicle technology with the at least one additional autonomous or semi-autonomous vehicle technologies tested;
• determine an accident risk factor based upon the received information regarding the test results and the indication of reliability by analyzing an effect on a risk associated with a potential vehicle accident of the autonomous or semi-autonomous vehicle technology, wherein the accident risk factor is determined based upon an ability of a version of artificial intelligence of the autonomous or semi-autonomous vehicle technology to avoid collisions without human interaction;
• determine one or more vehicle insurance policy premiums for one or more vehicles based at least in part upon the determined accident risk factor;
• and cause information regarding the one or more vehicle insurance policies to be presented to one or more customers for review.

A computer-implemented method of evaluating effectiveness of an autonomous or semi-autonomous driving package of computer instructions, the method comprising:

• generating, by one or more computing systems configured to evaluate the autonomous or semi-autonomous driving package operating within a virtual test environment configured to simultaneously test at least one additional autonomous or semi-autonomous driving packages of computer instructions, test results for the autonomous or semi-autonomous driving package of computer instructions in the virtual test environment, wherein the computing systems generate the test results as responses of the computer instructions implemented within the virtual test environment to virtual test sensor data that simulates sensor data for operating conditions associated with a plurality of test scenarios within the virtual test environment;
• determining, by one or more processors, an indication of reliability of the autonomous or semi-autonomous driving package based upon the test results, including compatibility of the autonomous or semi-autonomous driving package with the at least one additional autonomous or semi-autonomous driving packages tested;
• analyzing, by one or more processors, loss experience associated with the computer instructions to determine effectiveness in actual driving situations;
• determining, by one or more processors, a relative accident risk factor for artificial intelligence of the computer instructions based upon the ability of the computer instructions to make automated or semi-automated driving decisions for a vehicle that avoid collisions using the test results, the indication of reliability, and analysis of loss experience;
• determining, by one or more processors, one or more vehicle insurance policy premiums for one or more vehicles based at least in part upon the relative risk factor assigned to the artificial intelligence of the autonomous or semi-autonomous driving package of computer instructions;
• and
• causing, by one or more processors, information regarding the one or more vehicle insurance policies to be presented to one or more customers for review.