US 11,720,968 B1
Autonomous vehicle insurance based upon usage
Brian Mark Fields, Phoenix, AZ (US); Chien Che Huang, Normal, IL (US); Mohamed A. Wazeer, Normal, IL (US); Shawn C. Bennett, Le Roy, IL (US); Steven C. Cielocha, Bloomington, IL (US); Ronny S. Bryant, Bloomington, IL (US); Stephen A. Kohaus, Bloomington, IL (US); Terry Quakenbush, Bloomington, IL (US); Richard A. Novak, Plano, TX (US); Aaron Scott Chan, San Jose, CA (US); Craig M. Main, Allen, TX (US); Weixin Wu, Normal, IL (US); Torri Wollenschlager, Bloomington, IL (US); Carol Marie Csanda, Hudson, IL (US); Stacey Gorsuch, Bloomington, IL (US); and Todd Binion, Bloomington, IL (US)
Assigned to State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed by State Farm Mutual Automobile Insurance Company, Bloomington, IL (US)
Filed on Nov. 27, 2019, as Appl. No. 16/697,396.
Application 16/697,396 is a continuation of application No. 14/934,355, filed on Nov. 6, 2015, granted, now 10,915,965.
Claims priority of provisional application 62/103,840, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,836, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,911, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,838, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,895, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,855, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,891, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,831, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,914, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,907, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,893, filed on Jan. 15, 2015.
Claims priority of provisional application 62/103,856, filed on Jan. 15, 2015.
Claims priority of provisional application 62/079,533, filed on Nov. 13, 2014.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01)
CPC G06Q 40/08 (2013.01) 20 Claims
OG exemplary drawing
 
8. A computer system for generating or updating a usage-based insurance policy for one or more autonomous or semi-autonomous vehicles, comprising:
one or more processors;
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 a request to generate an insurance policy covering use of the one or more autonomous or semi-autonomous vehicles by an insurance customer, wherein the request includes information regarding intended vehicle usage;
determine one or more risk levels associated with the use of the one or more autonomous or semi-autonomous vehicles based on the information regarding the intended vehicle usage and environmental conditions in which the vehicle is likely to be operating including at least foreseeable weather conditions;
determine the cost of an insurance policy based upon the determined one or more risk levels;
cause at least a portion of the insurance policy to be presented to the insurance customer for review;
receive an indication of acceptance of the insurance policy from the insurance customer;
cause the insurance policy to be issued to the insurance customer;
monitor settings of a plurality of autonomous operation features that autonomously or semi-autonomously perform aspects of vehicle control during operation of the vehicle and current environmental conditions including at least current weather conditions during the use of the vehicle;
determine a changed risk level based upon the settings of the autonomous operation features, and changed current environmental conditions, including at least changed current weather conditions compared to the previously determined foreseeable weather conditions;
present to the insurance customer one or more options to select a lower-cost insurance policy for an operating mode with different settings for the plurality of autonomous operation features associated with a lower risk level under the changed current weather conditions;
receive a selection by the insurance customer to accept one of the one or more options for a lower-cost insurance policy wherein the selection causes an on-board computer of the vehicle to automatically adjust the settings of the plurality of autonomous operation features to implement the selected operating mode associated with the different settings and the lower risk level under the changed current weather conditions; and
adjust the cost of the insurance policy based upon the selection by the insurance customer.