Autonomous communication feature use and insurance pricing

Patent metadata

Field	Value
Publication number	US-12505488-B2
Application number	US-202318215690-A
Country	US
Kind code	B2
Filing date	Jun 28, 2023
Priority date	May 20, 2014
Publication date	Dec 23, 2025
Grant date	Dec 23, 2025

Abstract

Methods and systems for determining risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine risk levels for a plurality of features, which may be based upon test data regarding the features or actual loss data. Expected use levels and autonomous communication levels may further be determined and used with the risk levels to determine a total risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication. The total risk level may be used to determine or adjust aspects of an insurance policy associated with the vehicle.

First claim

What is claimed is:

1 . A computer-implemented method for assessing collision risk of autonomous vehicle operation, the method comprising:
receiving, by a server and over a network, autonomous operation data associated with autonomous operation of a vehicle under a plurality of operating environments; based upon the autonomous operation data, determining, by the server, a plurality of autonomous communication levels associated with a plurality of expected use levels of a plurality of types of autonomous communication capabilities of the vehicle, the plurality of autonomous communication levels indicating a proportion of other vehicles in the plurality of operating environments that exhibit the plurality of types of autonomous communication capabilities and at least one of frequency or quality of autonomous communications between the vehicle and the other vehicles; identifying test results stored by the server, the test results associated with a plurality of autonomous communication tests associated with one or more of the plurality of types of autonomous communication capabilities and one or more of the plurality of operating environments; determining, by the server, a total collision risk level associated with the autonomous operation of the vehicle based at least in part upon the plurality of autonomous communication levels and the test results; and providing, by the server, autonomous information to the vehicle regarding the total collision risk level to cause one or more actions to be performed based upon the total collision risk level, the autonomous information causing at least partially autonomous operation of the vehicle to assist in operation of the vehicle.

2 . The computer-implemented method of claim 1 , wherein the plurality of autonomous communication levels include information relating to one or more of: levels of autonomous communication with infrastructures, or frequency of autonomous communications between the vehicle and the other vehicles.

3 . The computer-implemented method of claim 1 , wherein the plurality of expected use levels is determined based at least in part upon information regarding previous use of one or more autonomous operation features of the vehicle.

4 . The computer-implemented method of claim 3 , wherein the information regarding the previous use of the one or more autonomous operation features includes information regarding previous use of an autonomous communication feature.

5 . The computer-implemented method of claim 3 , wherein the test results are based upon: (i) test results for test units corresponding to the one or more autonomous operation features including responses of the test units to test inputs corresponding to test scenarios, and (ii) actual collision data associated with a plurality of other vehicles having at least one of the one or more autonomous operation features.

6 . The computer-implemented method of claim 1 , wherein the total collision risk level is determined without reference to factors relating to collision risk associated with an operator of the vehicle.

7 . The computer-implemented method of claim 1 , further comprising:
determining, by the server, an operator collision-risk profile associated with vehicle operation by an operator of the vehicle; and wherein the total collision risk level is determined based at least in part upon the operator collision-risk profile.

8 . The computer-implemented method of claim 1 , wherein the one or more actions to be performed based upon the total collision risk level further include: adjusting an insurance policy associated with the vehicle, determining a coverage level associated with the insurance policy, presenting information regarding the total collision risk level to a reviewer to verify the total collision risk level, or presenting the total collision risk level to a customer for review of an adjustment to an insurance policy associated with the vehicle.

9 . A computer system for assessing collision risk of autonomous vehicle operation, the system comprising:
one or more processors; and a program memory coupled to the one or more processors storing executable instructions that, when executed by the one or more processors, cause the computer system to: receive, over a network, autonomous operation data associated with autonomous operation of a vehicle under a plurality of operating environments; determine a plurality of autonomous communication levels associated with a plurality of expected use levels of a plurality of types of autonomous communication capabilities of the vehicle, the plurality of autonomous communication levels indicating a proportion of other vehicles in the plurality of operating environments that exhibit the plurality of types of autonomous communication capabilities and at least one of frequency or quality of autonomous communications between the vehicle and the other vehicles; identify test results stored in the computer system, the test results associated with a plurality of autonomous communication tests associated with one or more of the plurality of types of autonomous communication capabilities and one or more of the plurality of operating environments; determine a total collision risk level associated with the autonomous operation of the vehicle based at least in part upon the plurality of autonomous communication levels and the test results; and communicate autonomous information to the vehicle regarding the total collision risk level to cause one or more actions to be performed based upon the total collision risk level, the autonomous information causing at least partially autonomous operation of the vehicle to assist in operation of the vehicle.

10 . The computer system of claim 9 , wherein the plurality of autonomous communication levels includes information relating to one or more of: levels of autonomous communication with infrastructures, or frequency of autonomous communications between the vehicle and the other vehicles.

11 . The computer system of claim 9 , wherein the plurality of expected use levels is determined based at least in part upon information regarding previous use of one or more autonomous operation features of the vehicle.

12 . The computer system of claim 11 , wherein the information regarding the previous use of the one or more autonomous operation features includes information regarding previous use of an autonomous communication feature.

13 . The computer system of claim 11 , wherein the test results are based upon: (i) test results for test units corresponding to the one or more autonomous operation features including responses of the test units to test inputs corresponding to test scenarios, and (ii) actual collision data associated with a plurality of other vehicles having at least one of the one or more autonomous operation features.

14 . The computer system of claim 9 , wherein the total collision risk level is determined without reference to factors relating to collision risks associated with an operator of the vehicle.

15 . The computer system of claim 9 , wherein the executable instructions, when executed by the one or more processors, further cause the computer system to:
determine an operator collision-risk profile associated with vehicle operation by an operator of the vehicle; and wherein the total collision risk level is determined based at least in part upon the operator collision-risk profile.

16 . The computer system of claim 9 , wherein the one or more actions to be performed based upon the total collision risk level further include: adjusting an insurance policy associated wit

Assignees

• State Farm Mutual Automobile Insurance Co

Inventors

• Konrardy Blake
• Christensen Scott T
• Hayward Gregory
• Farris Scott

Classifications

• G05B15/02

  electric · CPC title

• B60R2021/0027

  Post collision measures, e.g. notifying emergency services · CPC title

• B60R21/00

  Arrangements or fittings on vehicles for protecting or preventing injuries to occupants or pedestrians in case of accidents or other traffic risks (safety belts or body harnesses in vehicles B60R22/00; seats constructed to protect the occupant from the effect of abnormal g-forces, e.g. crash or safety seats, B60N2/42; energy-absorbing arrangements for hand wheels for steering vehicles B62D1/11; energy-absorbing arrangements for vehicle steering columns B62D1/19) · CPC title

• G06Q20/0855

  involving a third party · CPC title

• B60Q9/00

  Arrangement or adaptation of signal devices not provided for in one of main groups B60Q1/00 - B60Q7/00 {, e.g. haptic signalling} · CPC title