UIPCO LLC / USAA - 2021-04-205 May 2021 13:48
System and method for tracking the operation of a vehicle and/or the actions of a driver
A system includes a monitoring device coupled to a vehicle. The monitoring device includes a communication interface and one or more processors coupled to the communication interface. The one or more processors receive, via the communication interface, sensor information relating to operating the vehicle. The one or more processors also receive, via the communication interface, contextual information based at least in part on the sensor information relating to operating the vehicle. The one or more processors further generate a risk factor relating to operating the vehicle based at least in part on the sensor information and the contextual information.
Turning now to FIG. 3, a flowchart that illustrates a method 70 for determining and/or adjusting an insurance premium (which may be considered an example of a score) based on an operation of the vehicle 10 is presented in accordance with an embodiment of the present disclosure. The method 70 includes receiving (block 72) sensor information 32 related to an operation of the vehicle 10 from the plurality of sensors 16, 18 and/or the monitoring device 12. In some embodiments, the sensor information 32 may be received as a result of an asynchronous triggering event involving the vehicle 10. In some embodiments, the sensor information 32 may be received as a result of synchronous reporting or access to the sensors 16, 18 by the monitoring device 12. The sensor information 32 may include information provided from sensors 16, 18 integral with systems of the vehicle, coupled with the vehicle, and/or disposed in or around the vehicle. The sensor information 32 may be used to receive (block 74) the other information 33 (e.g., including the contextual information), which may be based on other information and algorithms related to the vehicle 10 and/or the driver, such as the input information 39. The other information 33 may also incorporate any information related to the triggering event (e.g., speed of the vehicle 10, acceleration/deceleration of the vehicle 10, report of any indicators of the vehicle 10). For example, the other information 33 may include or be based on the speed, the time, the date, and the location of the vehicle 10, wherein the triggering event includes the vehicle 10 operating in excess of a speed limit. In some embodiments, the monitoring device 12 or the insurer may receive the other information 33 via the computing device 42. It should be noted that, in some embodiments, the computing device 42 may be the same as the monitoring device 12 or the separate device 23 (e.g., a driver's smartphone, a passenger's wearable device, or an integral cellular device)
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