Patent Application
20220299326
Recently, many vehicles come equipped with global positioning system (GPS) devices that help drivers to navigate roads to various locations. Moreover, many drivers use other mobile devices (e.g., smart phones) that have GPS devices therein to help the drivers navigate roads. These GPS devices may provide location information and use maps for navigation purposes. As GPS devices have become more prevalent, the different uses for their location information have come to light. In some instances, the danger level of different routes is determined by combining location information and accident history information. Although some entities may find the danger level of certain routes useful and interesting, such information alone might not significantly reduce the likelihood of accidents occurring. Therefore, there remains a desire for methods and systems that may help drivers avoid accidents. Moreover, in the event of an accident, there is a desire for methods and systems that utilize information regarding the environment in which the accident occurred to help other drivers avoid a similar accident.
Additionally, it is difficult to use the location information to determine the cause of the accident when the location information merely includes GPS coordinates. Insurance providers may find determining the cause of an accident particularly important. When an accident occurs, a driver (or insurance policy holder of the damaged vehicle) may file an insurance claim with an insurance provider to cover the cost of repairing a vehicle. The insurance provider may wish to determine the cause of the accident in order to properly process the insurance claim and curtail insurance fraud. In some cases, employees of an insurance provider (e.g., insurance adjusters) may be dispatched to inspect a damaged vehicle or to inspect the site of the accident to determine the cause of the accident. Inspecting the site or vehicle may be important for record keeping or determining whether insurance coverage is applicable. As such, insurance customers may become frustrated and inconvenienced by the processing time of an insurance claim. Accordingly, there is a desire for methods and systems that facilitate the automatic processing of insurance claims.
The following summary is for illustrative purposes only and is not intended to limit or constrain the detailed description. The following summary merely presents various described aspects in a simplified form as a prelude to a more detailed description provided below.
Various approaches to helping users identify and mitigate risk are presented. In accordance with aspects of the disclosure, a computing system may generate, based on a vehicle traveling on a segment of road, a three-dimensional (3D) map for identifying and alerting a user of a potential risk (e.g., a risk object). The system may receive various types of information, including but not limited to, accident information, geographic information, environmental information, risk information, and vehicle information from one or more sensors. The system may generate a 3D risk map using the received information. The system may calculate a risk value (e.g. risk score, route risk score, road risk score, road segment risk score, risk object risk score, etc.) and associate the risk score to a particular road segment. Further, the system may provide alerts to a user by indicating an identification of a risk object based on the calculated risk score of the risk object.
In other aspects of the present disclosure, a personal navigation device, mobile device, and/or personal computing device may communicate, directly or indirectly, with a server (or other device) to transmit and receive a risk score(s), a 3D risk map(s), and/or received information. The device may receive travel route information and query the memory for associated risk scores and 3D risk maps. The risk scores may be sent for display on the device (via the 3D risk map) or for recording in memory. The contents of memory may also be uploaded to a system data storage device for use by a network device (e.g., server) to perform various actions. For example, an insurance company may use the information stored in the system data storage device to take various actions (e.g., file a claim, adjust a user's insurance premium, etc.).
In other aspects of the disclosure, a personal navigation device, mobile device, and/or personal computing device may access a database of risk scores to assist in identifying and indicating alternate lower-risk travel routes. A driver may select among the various travel routes presented, taking into account one or more factors such as the driver's tolerance for risk or the driver's desire to lower the cost of their insurance. These factors may be saved in memory designating the driver's preferences. Depending on the driver's selection or preference, the cost or other aspects of the vehicle's insurance coverage may be adjusted accordingly for either the current insurance policy period or a future insurance policy period.
Certain other aspects of the disclosure include a system comprising one or more sensors coupled to a vehicle and configured to detect sensor information. The system may also include a first computing device configured to communicate with the one or more sensors to receive the sensor information; analyze the sensor information to identify one or more risk objects; generate a three-dimensional (3D) risk map illustrating the one or more risk objects as one or more point clouds, respectively, within a virtual world representation of the vehicle's surroundings; and display the 3D risk map to a passenger in the vehicle.
Certain other aspects of the disclosure may include a system comprising one or more sensors coupled to a vehicle and configured to detect sensor information. The system may also include a first computing device configured to communicate with the one or more sensors to receive the sensor information; analyze the sensor information to identify one or more risk objects; generate a three-dimensional (3D) risk map illustrating the one or more risk objects as one or more point clouds, respectively, within a virtual world representation of the vehicle's surroundings; store the 3D risk map; determine, based on the sensor information, that the vehicle was in an accident; analyze the 3D risk map to determine a cause of the accident; and construct, based on the cause of the accident, an insurance claim.
The details of these and other aspects of the disclosure are set forth in the accompanying drawings and descriptions below. Other features and advantages of aspects of the disclosure may be apparent from the descriptions and drawings.
These and other features, aspects, and advantages of the present disclosure will become better understood with regard to the following description, claims, and drawings. The present disclosure is illustrated by way of example, and not limited by, the accompanying figures in which like numerals indicate similar elements.
In accordance with various aspects of the disclosure, methods, non-transitory computer-readable media, and apparatuses are disclosed for generating a three-dimensional (3D) risk map and alerting a driver about a potential risk surrounding the vehicle.
The present disclosure is operational with numerous other general purpose or special purpose computing systems or configurations. Examples of well-known computing systems, environments, and/or configurations that may be suitable for use with the disclosed embodiments include, but are not limited to, personal computers (PCs), server computers, hand-held or laptop devices, mobile devices, tablets, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.
With reference to
Computing device 101 may include a variety of computer-readable media. Computer-readable media may be any available media that may be accessed by computing device 101 and include both volatile and non-volatile media as well as removable and non-removable media. Computer-readable media may be implemented in any method or technology for storage of information such as computer-readable instructions, data structures, program modules, or other data. Computer-readable media include, but are not limited to, random access memory (RAM), read only memory (ROM), electronically erasable programmable read only memory (EEPROM), flash memory or other memory technology, or any other medium that can be used to store desired information that can be accessed by computing device 101. For example, computer-readable media may comprise a combination of computer storage media (including non-transitory computer-readable media) and communication media.
RAM 105 may include one or more applications representing the application data stored in RAM 105 while the computing device 101 is on and corresponding software applications (e.g., software tasks) are running on the computing device 101.
Input/output module 109 may include a sensor(s), a keypad, a touch screen, a microphone, and/or a stylus through which a user of computing device 101 may provide input, and may also include a speaker(s) for providing audio output and a video display device for providing textual, audiovisual, and/or graphical output.
Software may be stored within memory 115 and/or storage to provide instructions to processor 103 for enabling computing device 101 to perform various functions. For example, memory 115 may store software used by the computing device 101, such as an operation system 117, application program(s) 119, and an associated database 121. Also, some or all of the computer-executable instructions for computing device 101 may be embodied in hardware or firmware.
Computing device 101 may operate in a networked environment supporting connections to one or more remote computing devices, such as computing devices 135, 141, and 151. The computing devices 141 and 151 may be personal computing devices, mobile computing devices, or servers that include many or all of the elements described above about the computing device 101. The computing device 135 may be a transceiver or sensor that includes many or all of the elements described above about computing device 101.
The network connections depicted in
Various aspects described herein may be embodied as a method, a data processing system, or as a computer-readable medium storing computer-executable instructions. For example, a computer-readable medium may store instructions to cause a processor 103 to perform steps of methods described herein. Such a processor 103 may execute computer-executable instructions stored on a computer-readable medium.
The sensor(s) 204 may gather or detect sensor information. The sensor information may comprise data that represents the external surroundings of the vehicle 208. In some examples, the sensor information may include data that represents the vehicle 208 itself so that the vehicle's shape and size may be determined from such data. The sensor(s) 204 may comprise a light detection and ranging (LIDAR) sensor, a sound navigation and ranging (SONAR) sensor, a video/image recording sensor, a light sensor, a thermal sensor, an optical sensor, an acceleration sensor, a vibration sensor, a motion sensor, a position sensor, a point cloud sensor (e.g., for obtaining data to generate a point cloud figure/object/image/etc.), a technology (e.g., sensing device or scanner) used to sense and detect the characteristics of the sensing device's surroundings and/or environment, and the like. In some embodiments, each sensor 204a through 204h may be the same type of sensor. In other embodiments, sensors 204a through 204h may comprise a combination of different sensors. For example, sensor 204a may be a LIDAR sensor, and sensor 204b may be an optical sensor. In some embodiments, the sensors 204 may be specially designed to combine multiple technologies (e.g., a sensor 204 may include accelerometer and LIDAR components). In some aspects, the sensor information may be in the form of vectors. The vectors may be labeled or organized based on classification of each vector. The classification of each vector (and/or sets of vectors) may be generated using a formulaic or machine learning approach. The information the vector contains, or more generally, the sensor information, may be stored, quantized, or interpreted with other approaches, e.g., graph data for semantic inference queries at a later point in time.
The system may gather additional information, such as environmental information, road information, vehicle information, weather information, geographic location information, accident information, etc. Environmental information may comprise data about the surroundings of the vehicle 208. In some embodiments, the environmental information may comprise road, weather, and geographic information. For example, environmental information may comprise data about the type of route the vehicle 208 is traveling along (e.g., if the route is rural, city, residential, etc.). In another example, the environmental information may include data identifying the surroundings relative to the road being traveled by the vehicle 208 (e.g., animals, businesses, schools, houses, playgrounds, parks, etc.). As another example, the environmental information may include data detailing foot traffic and other types of traffic (e.g. pedestrians, cyclists, motorcyclists, and the like).
Road information may comprise data about the physical attributes of the road (e.g., slope, pitch, surface type, grade, and the like). In some aspects, the physical attributes of the road may comprise a pothole(s), a slit(s), an oil slick(s), a speed bump(s), an elevation(s) or unevenness (e.g., if one lane of road is higher than the other, which often occurs when road work is being done), etc. In some embodiments, road information may comprise the physical conditions of the road (e.g., flooded, wet, slick, icy, plowed, not plowed/snow covered, etc.). In some instances, road information may be data from a sensor that gathers and/or analyzes some, most, or all vertical changes in a road. In other examples, road information may include information about characteristics corresponding to the rules of the road or descriptions of the road: posted speed limit, construction area indicator (e.g., whether location has construction), topography type (e.g., flat, rolling hills, steep hills, etc.), road type (e.g., residential, interstate, 4-lane separated highway, city street, country road, parking lot, etc.), road feature (e.g., intersection, gentle curve, blind curve, bridge, tunnel), number of intersections, whether a roundabout is present, number of railroad crossings, whether a passing zone is present, whether a merge is present, number of lanes, width of roads/lanes, population density, condition of road (e.g., new, worn, severely damaged with sink-holes, severely damaged by erosion, gravel, dirt, paved, etc.), wildlife area, state, county, and/or municipality. In some embodiments, road information may include data about infrastructure features of the road. For example, infrastructure features may include intersections, bridges, tunnels, railroad crossings, and other roadway features.
Weather information may comprise data about the weather conditions relative to a vehicle's 208 location (e.g., snowing, raining, windy, sunny, dusk, dark, etc.). In some aspects, weather information may include a forecast of potential weather conditions for a segment of a road being traveled by vehicle 208. For example, weather information may include a storm warning, a tornado warning, a flood warning, a hurricane warning, etc. In some aspects, weather information may provide data about road segments affected by weather conditions. For example, weather information may detail which roads are flooded, icy, slick, snow-covered, plowed, or closed. As another example, the weather information may include data about glare, fog, and the like.
Vehicle information may comprise data about how the vehicle 208 is operated (e.g., driving behavior). In some embodiments, a vehicle telematics device may be used to gather information about operation of a vehicle. For example, the vehicle telematics device may gather data about the breaking, accelerating, speeding, and turning of a vehicle 208. In some aspects, vehicle information may comprise accident information (which will be described later). For example, vehicle information may include data that describes incidents (e.g., vehicle accidents) and a particular location where the incident occurred (e.g., geographic coordinates associated with a road segment, intersection, etc.). In some aspects, vehicle information may include the vehicle make, vehicle model, vehicle year, and the like. In some instances, vehicle information may comprise data collected through one or more in-vehicle devices or systems such as an event data recorder (EDR), onboard diagnostic system, or global positioning satellite (GPS) device. Examples of information collected by such devices include speed at impact, brakes applied, throttle position, direction at impact, and the like. In some examples, vehicle information may also include information about the user (e.g., driver, passenger, and the like) associated with the vehicle 208.
In some aspects, user information may include data about a user's age, gender, marital status, occupation, blood alcohol level, credit score, eyesight (e.g., whether the user wears glasses and/or glasses prescription strength), height, and physical disability or impairment. In some instances, user information may include data about the user's distance from a destination, route of travel (e.g., start destination and end destination), and the like. In some embodiments, the user information may comprise data about the user's non-operation activities while operating a vehicle 208. For example, the data may comprise the user's mobile phone usage while operating the vehicle 208 (e.g., whether the user was talking on a mobile device, texting on a mobile device, searching on the internet on a mobile device, etc.), the number of occupants in the vehicle 208, the time of day the user was operating the vehicle 208, etc.
Geographic location information may comprise data about the physical location of a vehicle 208. For example, the geographic location information may comprise coordinates with the longitude and latitude of the vehicle, or a determination of the closest address to the actual location of the vehicle 208. In another example, the vehicle location data may comprise trip data indicating a route the vehicle 208 is traveling along. In some aspects, the geographic location information may also include information that describes the geographic boundaries, for example, of an intersection (e.g. where vehicle 208 is located) which includes all information that is associated within a circular area defined by the coordinates of the center of the intersection and points within a specified radius of the center. In some embodiments, geographic location information may consist of numerous alternative routes a vehicle 208 may travel to reach a selected destination.
Accident information may comprise information about whether a vehicle 208 was in an accident. In some aspects, accident information may identify damaged parts of the vehicle 208 resulting from the accident. For example, accident information may detail that the front bumper, right door, and right front headlight of the vehicle 208 were damaged in an accident. In some examples, accident information may detail the cost of replacement or repair of each part damaged in an accident. In some instances, accident information may include previously described vehicle information. In some embodiments, accident information may include data about the location of the accident with respect to a road segment where the accident occurred. For example, accident information may include where the accident occurred on the road segment (e.g., which lane), the type of road the accident occurred on (e.g., highway, dirt, one-way, etc.), time of day the accident occurred (e.g., daytime, night time, rush hour, etc.), and the like.
Some additional examples of accident information may include loss type, applicable insurance coverage(s) (e.g., bodily injury, property damage, medical/personal injury protection, collision, comprehensive, rental reimbursement, towing), loss cost, number of distinct accidents for the segment, time relevancy validation, cause of loss (e.g., turned left into oncoming traffic, ran through red light, rear-ended while attempting to stop, rear-ended while changing lanes, sideswiped during normal driving, sideswiped while changing lanes, accident caused by tire failure (e.g., blow-out), accident caused by other malfunction of car, rolled over, caught on fire or exploded, immersed into a body of water or liquid, unknown, etc.), impact type (e.g., collision with another automobile, collision with cyclist, collision with pedestrian, collision with animal, collision with parked car, etc.), drugs or alcohol involved, pedestrian involved, wildlife involved, type of wildlife involved, speed of vehicle at time of incident, direction the vehicle is traveling immediately before the incident occurred, date of incident, time of day, night/day indicator (i.e., whether it was night or day at the time of the incident), temperature at time of incident, weather conditions at time of incident (e.g., sunny, downpour rain, light rain, snow, fog, ice, sleet, hail, wind, hurricane, etc.), road conditions at time of incident (e.g., wet pavement, dry pavement, etc.), and location (e.g., geographic coordinates, closest address, zip code, etc.) of vehicle at time of incident.
Accident information associated with vehicle accidents may be stored in a database format and may be compiled per road segment and/or risk map. One skilled in the art will understand that the term road segment may be used to describe a stretch of road between two points as well as an intersection, roundabout, bridge, tunnel, ramp, parking lot, railroad crossing, or other feature that a vehicle 208 may encounter along a route.
The risk map generation system 302 may receive sensor information and utilize the information to complete different tasks. For example, the risk map generation system 302 may receive sensor information from sensor(s) 304, and communicate with (e.g., transmit to and receive from) mobile computing device 306 in order to generate a risk map. In another example, the risk map generation system 302 may use received information and risk map generation system's modules to develop alerts that are included within the risk map, which may help to alert a driver of potential risks. A risk (e.g., potential risk) may comprise anything that may create a dangerous driving condition or increase a likelihood of a vehicle 308 getting into an accident. A risk map may comprise an image (e.g., JPEG, TIFF, BMP, etc.), a video (e.g., MPEG), a hologram, or other visual outputs for illustrating a road segment or route being traveled by a vehicle 308. The risk map may further include markers or other indicators of risks (e.g. risk objects). Risks may be any item, event, or condition that may pose a danger to a vehicle 308 while the vehicle 308 is on a trip. In various embodiments, the risk map may be a two-dimensional (2D) or a three-dimensional (3D) illustration. Further, in some embodiments, the risk map may dynamically change over time. The changes may be in accordance with geographic data indicating the vehicle's location and/or other data (e.g., speed data indicating a speed of the vehicle or odometer data indicating distance the vehicle traveled). In some embodiments, the risk map may be keyed or coded (e.g., certain symbols, colors, and the like that represent different risks or categorize the risk objects within the risk map).
In some embodiments, a risk map generation system 302 may create different risk maps for different devices or different users. For example, one risk map may be generated for a user of a vehicle 308 while a different risk map may be generated for a different user of another vehicle. The differences in the risk maps may depend on the past driving behavior of the different users (e.g., drivers) and may take into account that different things may pose different risks to different users. Although risk maps are often described herein as being displayed to drivers of a vehicle, it should be understood that risk maps may be generated for and displayed to pedestrians, joggers, runners, bike riders, motorcyclists, and the like. As another example, a risk map may be generated for a commercial truck driver. Under this example, different risk objects may be highlighted on the risk map such as known clearances, hanging power lines, and the like. In some embodiments, a risk map may be created for coordinating risk inside a building. For example, a risk map may be created to help a pedestrian navigate their way through a mall or an airport. In some instances, a risk map generation system 302 may generate a risk map that includes risk objects based on historical data. Historical data may comprise information about the prevalence of risk objects on a particular road segment over a given period of time. For example, a risk map may include risk objects based on where future risk may be located based on historical data or where risk is historically located on a road segment. In some aspects, a risk map generation system 302 may create a risk map based on pre-determined road segment information. For example, the risk map generation system 302 may receive road segment information for a segment of road a vehicle 308 is traveling on, and use the received road segment information to generate a risk map of the road segment. In some instances, a risk map generation system 302 may receive one or more risk maps from another computing device, identify which particular risk map of the one or more risk maps matches the segment of road a vehicle 308 may be traveling on, and generate a new risk map using the identified particular risk map along with sensor information obtained by the vehicle 308. In some embodiments, a risk map generation system 302 may create a risk map based on risk (e.g., risk objects). In some aspects, a risk map generation system 302 may create a risk map which provides different routes to a user to mitigate risk. For example, a generated risk map may contain different routes of travel based on the road segments a user may travel to arrive at their end destination. Under this example, each route may correlate to a different risk value based on the number and the type of risk objects located on each route.
In some aspects, the risk map generation system 302 may display a risk map to a user. In some examples, the risk map may be displayed on the exterior of the vehicle 308 (e.g., on the hood of a vehicle 308), on the interior of the vehicle 308 (e.g., on a display device, LCD screen, LED screen, and the like), or on the windshield of the vehicle 308 (e.g., heads-up display [HUD]). In some embodiments, a risk map may be displayed as a hologram, or on augmented reality (AR) glasses, or the like.
The risk map generation system 302 may comprise various modules for generating a risk map. For example, a risk map generation system 302 may include a data retrieval engine 310, an insurance rules processing engine 312, a user notification engine 314, an information management system 316, a point cloud engine 318, and a map generation engine 320.
The data retrieval engine 310 may request or receive information from other computing devices and sensors. For example, a data retrieval engine 310 may receive sensor information from sensor(s) 304, data from mobile computing device 306, and/or instructions/data from a user device or network device (not shown). A data retrieval engine 310 may receive different types of sensor information as those previously described. For example, a data retrieval engine 310 may obtain environmental information, vehicle information, weather information, and the like. In some aspects, a data retrieval engine 310 may receive and use the sensor information (e.g., x-plane information, y-plane information, and z-plane information) to determine whether a vehicle 308 is moving up or down.
The insurance rules processing engine 312 may receive and store data and/or instructions from an insurance provider on how to determine what poses a risk to a driver of a vehicle 308 (e.g. identify a risk object). In some instances, an insurance rules processing engine 312 may include a risk processing module for determining a risk value for a potential risk (e.g., risk object). For example, the risk processing module may evaluate a risk object and assign it a risk value. As another example, the risk processing module may assign a certain risk value to a road segment that is wet from rain, and assign a lower risk value to the road segment that is not wet from rain. In some embodiments, the risk processing module may calculate the risk value for a road segment, risk object, or point of risk by applying actuarial techniques. In some aspects, an insurance rules processing engine 312 may determine how to identify or present a risk object to a driver. In some aspects, an insurance rules processing engine 312 may process insurance policy information related to the user. For example, the insurance rules processing engine 312 may update a user's insurance information, adjust the user's insurance premium, adjust the user's insurance coverage, file a claim, or complete any other insurance task or process.
The user notification engine 314 may generate an alert on the risk map to help the user identify an upcoming and potential risk(s) on their route of travel. In some aspects, the user notification engine 314 may determine how to display a risk object to a user via the risk map. In some instances, a user notification engine 314 may generate alerts that may be provided to a user about adjustments to their insurance. In some embodiments, a user notification engine 314 may generate an insurance claim. In some aspects, a user notification engine 314 may develop risk values (e.g. a risk score), based on the sensor information. For example, a risk score may be a value associated with a particular road segment that is flat, and the risk score may be increased due to rain making the road wet. Under this example, the user notification engine 314 may assign a new risk score the road segment and notify the user that the risk score has changed. In some examples, a risk score may relate to a risk object being displayed in the risk map, and the risk score may alter the presentation of the risk object within the risk map to indicate a certain level of risk associated with the risk object. For example, if there is a pothole on the road, the risk map may display the pothole in a particular color or the pothole may be blinking on the risk map. In some embodiments, a risk object may be enhanced with an indicator which may be associated with a risk ranking system. A risk ranking system may perform a method for prioritizing or labeling the different levels of risk or potential trouble/danger associated with a risk object.
In some aspects, the indicator may be a color, an animation, a sound, a vibration, and the like for indicating the level of risk associated with a risk object. For example, a pothole may be displayed in yellow if it is a moderate risk to a vehicle 308 or displayed in red if it is a severe risk to the vehicle 308. In another example, one sound may be played for a low risk while a different sound may be played for a high risk. In another example, if a risk object is identified as being located at the front of the vehicle 308, then the floor or seat of the vehicle 308 may vibrate. In another example, if a risk object is identified as being located at the back/rear of the vehicle 308, then the back of the seat(s) of the vehicle 308 may vibrate. In some examples, if a risk object is identified as being located on the left side of the vehicle 308, then a sound may play out of the left speaker(s) of the vehicle 308. In some examples, if a risk object is identified as being located on the right side of the vehicle 308, then a sound may play out of the right speaker(s) of the vehicle 308.
Information management system 316 may organize and store all the information the risk map generation system 302 generates, transmits, and receives. In some aspects, the information management system 316 may store risk maps. In some instances, the information management system 316 may include a database for storing risk values associated with risk objects or road segments, or for storing risk values, risk objects, or road segments. In some embodiments, the information management system 316 may store routes (e.g., route information), risk objects (e.g., risk object information), and risk maps (e.g., risk map information) from other computing devices.
The point cloud engine 318 may generate point cloud information based on the sensor information received by the risk map generation system 302. For example, the point cloud engine 318 may generate point cloud information when the sensor(s) 304 sends signals in every direction, and the signals hit an object(s) and bounces back. In some examples, the point cloud engine 318 may be able to determine what an object is, from receiving a few data points from a signal that has hit an object. In some embodiments, the point cloud engine 318 may generate data to develop a risk map that simulates vehicle 308 traveling through a point cloud. In some aspects, a sensor(s) 304 may obtain video data, and the point cloud engine 318 may map a point cloud from the video data. In some instances, the point cloud engine 318 may obtain point cloud information using different frequencies of data collection. In some embodiments, the point cloud engine 318 may create point cloud images which may be used to generate a risk map. In some aspects, the point cloud engine 318 may generate point cloud images or figures that may be used to represent risk objects. In some instances, the point cloud images or figures may be displayed within the risk map. In some embodiments, the point cloud engine 318 may generate images or figures that are scaled (e.g., the scaling may be accurate to a centimeter). In some aspects, the point cloud engine 318 may obtain sensor information to generate figures represented by data points that may be mapped to a coordinate system (e.g., X, Y, and Z coordinates). In some embodiments, the point cloud engine 318 may create point clouds using a three-dimensional scanner. In some aspects, point cloud images may be gathered at the same time that video sensor data may be acquired. The video sensor data may include video stills (e.g., framing) that may be mapped to a point cloud, which may act as a mesh for holding an image. Any of the various programs and tools for mapping video to LIDAR gathering point clouds may be used.
The map generation engine 320 may collaborate with the other previously mentioned engines and systems to develop a risk map. In some aspects, the map generation engine 320 may output or display a risk map that may comprise information about the environmental surroundings of a vehicle 308 and the risks associated with the surroundings of the vehicle 308 as the vehicle 308 travels along a road segment. For example, the risk map may include the road segment a vehicle 308 is traveling on, along with the characteristics of the road segment, e.g., the trees, the buildings, and the weather conditions of the environment encompassing the road segment. In some examples, the map generation engine 320 may develop a three-dimensional and/or virtual world risk map. In some embodiments, the map generation engine 320 may retrieve GPS data and combine the GPS data with data from other engines and systems of the risk map generation system 302 to develop a risk map. In some embodiments, the risk map, which the map generation engine 320 creates, may not reflect reality (e.g., the risk map may be distorted). In some instances, a map generation engine 320 may assemble a risk map that augments reality in order to show a visual representation of the vehicle's 308 environment.
The engines/modules/systems 302, 310, 312, 314, 316, 318, and 320 may, individually or in combination, comprise one or more processors and memory storage devices (as previously described with reference to
In some aspects, the user interface 400 may be displayed in a perspective view of the user (not shown) (e.g., the same view a user may see while operating a vehicle 408). In some examples, the user interface 400 may display all risk objects relative to a vehicle (e.g., in front, in back, on the either side, below, and above the vehicle 408). Although the user interface 400 may be shown as a two-dimensional image in
In some embodiments, 3D printers may be used for reconstructing accidents or simulations. In some cases, an insurance provider may use the reconstructed accidents or simulations generated by the 3D printer to determine how to process an insurance claim. In some instances, the reconstructed accidents or simulations generated by the 3D printer may be supplied to drivers of vehicles that may have been in the accidents.
At step 610, a risk map generation system 302 may receive geographic information (e.g., geographic location information). In some embodiments, the risk map generation system 302 may receive the geographic location information as part of the sensor information. In some aspects, the risk map generation system 302 may receive the geographic location information from a GPS device installed in a vehicle, mobile computing device 306, or another computing device. For example, in step 610, the risk map generation system 302 may receive GPS coordinates from a mobile phone of a driver of a vehicle via a cellular backhaul. In some instances, the geographic location information may comprise the same geographic location information as previously described. For example, the geographic location may comprise latitude and longitude coordinates of vehicle 308. After step 610, the method may proceed to step 615.
At step 615, the risk map generation system 302 may receive environmental information. In some embodiments, the risk map generation system 302 may receive the environmental information from a mobile computing device 306 or another computing device located in or on the vehicle. Additionally, or alternatively, the risk map generation system 302 may receive environmental information from a network device (e.g., a third party server, such as a server of a weather reporting organization). In some instances, the network device may be a computing device or a server similar to the risk map generation system 302, and may be operated by an insurance company. In some examples, the network device may contain environmental information about various routes, various road segments, various risk objects, and/or various risk maps that may be related to a route that a vehicle 308 may be traveling along. In some instances, the environmental information may comprise data about routes, road segments, risk objects, and/or risk maps. In some examples, the environmental information may be similar to environmental information previously described. In other embodiments, the risk map generation system 302 may receive environmental information from another computing device (system) associated with a different vehicle. In another embodiment, the risk map generation system 302 may receive environmental information regarding a road segment, via a computing device responsible for tracking the conditions of the road segment. In some embodiments, the risk map generation system 302 may receive environmental information from a structure/infrastructure (e.g. building, bridge, railroad track, etc.) via a computing device configured to monitor the structure. After step 615, the method may proceed to step 620.
At step 620, the risk map generation system 302 may generate a risk map based on the received information, individually or combined, from steps 605, 615, and 620. In some embodiments, the risk map generation system 302 may generate a risk map using sensor information. In some aspects, the risk map generation system 302 may analyze and manipulate the sensor information in order to create images, figures, and the like that represent a map or an environment that a vehicle 308 may be traveling through. In some instances, the manipulation of sensor information may comprise interpreting input information (e.g., sensor information) and reconstructing the sensor information in a way it may be used to generate an image, an object, or a virtual environment. In some embodiments, the risk map generation system 302 may convert the sensor, geographic location, and/or environmental information into point cloud information that may be used to create a point cloud map or a point cloud figure. In some examples, the point cloud figure or map may be used to generate a virtual world that resembles the environment a vehicle 308 may be traveling through. The risk map generation system 302 may generate a risk map using one or more point clouds representing objects (e.g. pedestrians, animals, buildings, etc.). In some embodiments, the risk map generation system 302 may generate a risk map by superimposing point cloud images into a virtual world. In some aspects, the risk map generation system 302 may generate a risk map using risk objects, risk values, road segments, and/or other risk maps. In some embodiments, risk map generation system 302 may generate a risk map using road segments, risk objects, and risk maps received from other computing devices. In some aspects, risk map generation system 302 may generate the risk map using sensor information and/or received information (e.g., data received by the risk map generation system 302 from other devices). For example, the risk map generation system 302 may generate a risk map using only the sensor information related to the physical attributes of the road segment being traveled by the vehicle 308. As another example, the risk map generation system 302 may generate a risk map using physical attributes of a road segment the vehicle 308 is traveling on combined with environmental information of the road segment, such as information indicating the current weather. For example, if it is raining the risk map may depict rain drops. In some examples, the heavier the rain, the more rain drops there are depicted in the risk map. In view of this disclosure, it will be understood that the risk map may be generated in various ways. After step 620, the method may proceed to step 625.
At step 625, the risk map generation system 302 may analyze the risk map and calculate a risk value. In some aspects, the risk value may be represented by a risk score. In some embodiments, the risk map generation system 302 may calculate the risk value for a road segment, risk object, or point of risk by applying actuarial techniques to the sensor information that may be received from sensors 304. In other examples, risk map generation system 302 may calculate the risk value by applying actuarial techniques to the information that may be received by the risk map generation system 302. In some embodiments, the risk map generation system 302 may calculate the risk value based on the likelihood of a risk object causing the vehicle to get in an accident. In some aspects, the risk map generation system 302 may calculate the risk value using only road information. For example, the risk value may be calculated based on only the physical attributes of the road. In some embodiments, the risk map generation system 302 may calculate the risk value using only the sensor information. In some instances, risk map generation system 302 may analyze a risk map to calculate a risk value as previously described with regards to
After calculating a risk value at step 625, the risk map generation system 302 may associate the road segment a vehicle is traveling on to the risk value at step 630. In some aspects, associating the risk value may include analyzing the road segment or risk map the vehicle 308 is traveling along or through, identifying one or more risk objects and the characteristics of the one or more risk objects, and calculating a risk value based on the number of risk objects and the characteristics of the one or more risk objects located on the road segment or within the risk map. In some aspects, the risk map generation system 302 may have a list of pre-determined risk objects correlated to a predetermine risk value. In some aspects, the risk map generation system 302 may have different groupings of risk objects (which may be categorized by the characteristics of the risk objects) correlated to predetermined values. In some embodiments, a user may be able to determine, categorize, or correlate risk objects to a user selected value. In some embodiments, a specially configured or programmed server or computing device of an insurance provider that manages the computing system may rank, prioritize, or correlate the risk objects to a selected value. For example, all risk objects located on the side of the road may have a risk value of 10, while all risk objects located on the road may have a risk value of 20. In some aspects, the risk value assigned may represent the likelihood of a risk object causing an accident. For example, a pothole with a 2 ft diameter may get a higher risk value than a pot hole with a 1 ft diameter. After step 630, the method may proceed to step 635.
At step 635, the risk map generation system 302 may assemble risk data into multivariable equations. For example, the risk map generation system 302 may use the data (identified at step 630) to determine a risk value of an object or a segment of road on the risk map based on predetermined equations. The equations may be configured for different information inputs which may affect the risk value assigned to a risk object, risk map, and/or road segment. For example, one equation may use sensor data while another equation may use the sensor data, environmental data, and geographic location data to determine a risk value. In some instances, a network device or insurance provider's server may generate and determine the multivariable equations. In some embodiments, the multivariable equations may be generated using actuarial techniques. Once the risk map generation system 302 assembles the received information into multivariable equations, the method may proceed to step 640.
At step 640, the risk map generation system 302 may calculate a modified risk value based on environmental information and/or other received information. For example, the risk map generation system 302 may use the determined risk values from step 625 and use the multivariable equation from step 635 to use additional received data (e.g., geographic location information and/or environmental information) to calculate a modified risk value. As another example, a risk value determined at step 625 may be adjusted. Under this example, the risk map generation system 302 may adjust a risk value due to a new condition (e.g. snow on the road). Due to the snow, risk map generation system 302 may use the multivariable equation to determine that the previous risk value needs to be modified. Upon completion of step 640, the method may proceed to step 645.
At step 645, the risk map generation system 302 may store the modified risk value in memory. In some aspects, the modified risk value may be correlated to mark or enhance a particular risk object, road segment, and/or risk map. The particular risk object, road segment, or risk map may be updated and assigned the new modified risk value. The updated risk object, road segment, or risk map with its updated risk value may be stored by the risk map generation system 302 into a database. In some aspects, the database information may be shared with other computing devices or be used to generate other risk maps with similar road segment characteristics. After step 645 is completed, the method may proceed to step 650.
At step 650, the risk map generation system 302 may determine if the risk value (e.g. risk score) is over a threshold. The threshold value may be determined by a user or a system provider (e.g., insurance company/provider). Also, the threshold value may be adjusted on a case-by-case basis (e.g., driver by driver basis), or may be predetermined. If the risk map generation system 302 determines that the risk value is not over the threshold, the method may proceed to step 605. If the risk map generation system 302 determines that the risk value has exceeded the threshold, then the method may proceed to step 655.
At step 655, the risk map generation system 302 may update the risk map based on the modified risk value. In some aspects, updating the risk map may comprise marking risk objects within the risk map with indicators. The indicators may function to help alert the driver of potential risks. In some aspects, updating the risk map may comprise adding risk objects to or removing risk objects from the risk map. In some embodiments, the indicator may comprise color-coding the risk map. In some examples, the indicator may result in enhancing a risk object with a color, a sound, or an animation. In some instances, an indicator is similar to the indicator as described with reference to
At step 660, the risk map generation system 302 may alert the user of a vehicle. The alert may be an indicator or enhancement to a risk object, road segment, and/or risk map. The alert may be any previously described indicator (with reference to
At step 715, the risk map generation system 302 may generate a new (e.g., updated) risk map based on the received sensor data and the additional sensor data. In some aspects, the risk map generation system 302 may generate a new (e.g., updated) risk map by using an existing risk map from the additional sensor data and updating the existing risk map with the new sensor information obtained in step 705. The risk map may be generated in various manners as disclosed herein. In some embodiments, the risk map generation system 302 may generate a three-dimensional (3D) point cloud risk map or a two-dimensional map with 3D point cloud images overlaying the map. After step 715 has completed, the method may proceed to step 720.
At step 720, the computing device may analyze the risk map to calculate a risk value as previously described (e.g., with reference to
At step 730, the risk map generation system 302 may use the updated risk map to complete insurance tasks. For example, the updated risk map may be used to adjust a user's insurance premium, modify a user's insurance coverage, file a claim, pay a claim, report or record an accident, offer different rates for insurance based on routes traveled, etc. In some aspects, a risk map generation system 302 may use the updated risk map to offer a user a new or alternative route for traveling to their destination. For example, the risk map generation system 302 may offer different routes based on risk values to the user in order for the user to reach their destination. In some embodiments, a risk map generation system 302 may provide the updated risk map to notify pedestrians, motorcyclist, cyclist, and the like. In some examples, a risk map generation system 302 may use the updated risk map to notify emergency responders of potential risks on particular roads. The risk map generation system 302 may be able to provide first responders with a plurality of possible routes to a predetermined destination and rank them based on risk value, time, distance, traffic, and other safety and travel factors. In other examples, a risk map generation system 302 may use the updated risk map to influence autonomous and semi-autonomous vehicles. For example, the risk map generation system 302 may collaborate with a vehicle's systems in order to slow the vehicle down or to help the vehicle avoid an accident, based on the updated risk map.
In some aspects, users may be assigned a consumption score based on the updated risk maps. A consumption score may be a value correlated to a user's exposure to risk while operating a vehicle. In some instances, the updated risk map may be used to update the consumption score. In some examples, the consumption score may be affected by the route the user chooses to take. In some aspects, the consumption score may be used to characterize a user. For example, a user with a low consumption score, meaning they choose to travel safer routes, may be less likely to commit fraud. On the other hand, a user with a high consumption score, meaning they choose to travel more hazardous routes, may be more likely to commit fraud. In another example, the consumption score may be able to be used in place of a credit score.
In some embodiments, the updated risk map may be used by a paid driver, collaborative driver, or delivery driver (e.g., taxi, ride-share, package delivery service, etc.) Under these examples, the updated risk map may affect the price of the services. For example, a taxi driver may adjust his fare, based on the updated risk map, if a service user selects a route with a higher risk value than an alternative route. As another example, a delivery service may charge less for their services if their drivers travel the safest routes to their destinations, based on the updated risk map. In some embodiments, paid drivers may be able to offer pricing by route, based on the updated risk map. In some instances, a user may be able to select a paid driver based on the driver's consumption score.
At step 808 of the method, a risk map generation system 302 may determine a risk value for a segment of road a vehicle is traveling based on the received information. In some embodiments, a risk map generation system 302 may determine a risk value by analyzing the sensor information or environment information to identify one or more risk objects, analyzing the one or more risk objects, and determining a risk value based on the one or more risk objects. In some embodiments, the risk map generation system 302 may link the risk value(s) of the one or more risk objects to a particular road segment or risk map. For example, the risk map generation system 302 may receive sensor information and identify a pothole on the road. The risk map generation system 302 may evaluate the size, depth, and location of the pothole and determine a risk value for the road segment, based on that road segment containing the pothole. As another example, the risk map generation system 302 may receive sensor information and environment information, identify snow on the road and a pedestrian in a crosswalk, and determine a risk value for the road segment. In other examples, a risk map generation system 302 may download a risk map for a road segment from a server or plurality of servers. The risk map generation system 302 may update the downloaded risk map using sensor information and environment information it obtained at steps 804 and 806. For example, the risk map generation system 302 may receive a risk map of a road segment that a vehicle 308 is traveling along. The downloaded risk map may contain a risk value because a pothole is located on the road segment. The risk map generation system 302 may overlay an image on the downloaded risk map according to the obtained sensor information and environment information, e.g., adding an object indicating a wet road condition due to weather information indicating that it is raining. The risk map generation system 302 may calculate a new risk value of the road segment using an existing risk score and considering the other risk objects to calculate an updated risk score. After step 808, the method may proceed to step 810.
At step 810, the risk map generation system 302 may generate a 3D risk map using the sensor information, the environment information, and the determined risk values. In some instances, the risk map generation system 302 may generate a 3D risk map as previously described. In some embodiments, the risk map generation system 302 may generate a 3D risk map using point clouds. In some aspects, the 3D risk map may be generated using risk objects or road segments. In some instances, the 3D risk map may comprise a point cloud real-time virtual environment representing the route or road segment the vehicle 308 is traveling on and the vehicle's 308 surroundings (environment). After step 810, the method may continue to step 812.
At step 812, the risk map generation system 302 may display the risk map. In some aspects, the risk map generation system 302 may transmit the risk map to another computing device or mobile computing device 306 for displaying the risk map. In some aspects, a computing device may download the risk map from the risk map generation system 302 in order for the risk map to be displayed. In some aspects, the risk map generation system 302 may display a risk map to a user. In some examples, the risk map may be displayed on the exterior of the vehicle 308 (e.g., on the hood of a vehicle 308), on the interior of the vehicle 308 (e.g., on a display device, LCD screen, LED screen, and the like), or on the windshield of the vehicle 308 (e.g., heads-up display (HUD)). In some embodiments, a risk map may be displayed as a hologram, on augmented reality (AR) glasses, and the like. In some aspects, the risk map generation system 302 may display the risk map as previously described. Upon completion of step 812, the method may proceed to step 814.
At step 814, the risk map generation system 302 may store the risk map, the sensor information, the environmental information, and the determined risk values in a database. In some aspects, the information and risk values may be stored together (e.g., tied to a particular risk map or a particular road segment). In other aspects, the information may be stored independently and categorized by road segment and different characteristics of the information. For example, all data for a risk map related to a road segment traveled at night time may be stored together. In some embodiments, the risk map(s), sensor information, environment information, road segment(s), and risk value(s) may be transmitted to another device (e.g., insurance server) to be stored. In some aspects, the risk map(s), sensor information, environment information, road segment(s), and risk value(s) may be buffered. In some instances, the risk map(s), sensor information, environment information, road segment(s), and risk value(s) may only be stored for a certain amount of time. For example, the risk map(s), sensor information, environment information, road segment(s), and risk value(s) may only be stored for 30 days at a time. In some aspects, a user or a system owner (e.g., insurance provider) may determine how long the risk map(s), sensor information, environment information, road segment(s), and risk value(s) may be stored. In some instances, the risk map generation system 302 may store the risk map(s), sensor information, environment information, road segment(s), and risk value(s) as previously described. After step 814, the method may proceed to step 816.
At step 816, the risk map generation system 302 may determine if the location of a vehicle 308 has changed. If the location of the vehicle 308 has changed, the method may proceed to step 804. If the location of the vehicle 308 has not changed the method may stay at step 816. In some aspects, in order for the risk map generation system 302 to determine that the vehicle's 308 location has changed the vehicle 308 may need to move a certain distance past a threshold. The threshold may be a user selected threshold or a predetermined threshold. The threshold may be adjustable or fixed. In some embodiments, the risk map generation system 302 may receive information from other devices to determine if the vehicle 308 has moved. For example, the risk map generation system 302 may receive movement information from a vehicle telematics device. As another example, the risk map generation system 302 may receive movement information from a GPS device or mobile device. The GPS device may provide coordinates relating to the location of the vehicle 308 at a first point in time, and may provide different coordinates relating to the location of the vehicle 308 at a second point in time, thus, showing the vehicle 308 has moved. Following step 816, the method may proceed to step 818.
At step 818, the risk map generation system 302 may determine the cost of insurance based on the risk map. In some aspects, the cost of insurance may be determined based on the risk values associated with the risk map. The risk map generation system 302 may determine an insurance premium for a user based on the road segment traveled and the risk score associated with the road segment. The cost of insurance may be determined after a trip has been completed by adding up the different risk values associated with the risk map. In some aspects, the risk map generation system 302 may adjust the insurance premium for a user based on the risk values associated with the risk map. Upon completion of step 818, the method may proceed to step 820.
At step 820, the risk map generation system 302 may determine whether or not an accident has occurred. If an accident has not occurred, the method may proceed to step 804. If the risk map generation system 302 determines that an accident has occurred, then the method may proceed to step 822. The risk map generation system 302 may use accident information and/or sensor information to determine that an accident has occurred. For example, information from a LIDAR sensor may be evaluated to determine that the vehicle collided with another object. In another example, information from a sensor installed in the vehicle (e.g., original equipment manufacturer (OEM)), such as information indicating that an airbag was deployed, may be monitored to detect whether an accident occurred.
At step 822, the risk map generation system 302 may analyze the risk map information in order to determine the cause of the accident. The risk map generation system 302 may analyze the stored risk maps that were developed close to the time of the accident to determine the cause of the accident. The risk map generation system 302 may evaluate the risk objects located within the risk map at the time of the accident as well as the risk values associated with those risk objects. Following step 822, the method may proceed to step 824.
In step 822, the risk map generation system 302 may determine, based on the analyzing of the stored risk map, the cause of the accident. For example, if a risk object was located in front of a vehicle 308, and there is damage to the front bumper of the vehicle 308, then the risk map generation system 302 may determine there is a front-end accident. As another example, in response to determining that an accident has occurred, the risk map generation system 302 may attempt to determine what in the risk map is likely the cause of the accident. For example, knowing that there was an impact to the side of the vehicle, the risk map generation system 302 may evaluate the risk map just before (or at the same time or just after) the impact to identify which, if any, objects might have caused the impact. Then, in step 824, the risk map generation system 302 may determine whether the cause of the accident could be determined. In some cases, the risk map generation system 302 might not be able to determine the cause of the accident (e.g., no object was identified or multiple objects were identified as possible causes). In some embodiments, the analysis at step 822 may include determining a confidence score indicating a confidence that the risk map generation system 302 has in its determination of what may have led to the accident. In such embodiments, step 824 may include comparing the confidence score with a threshold to determine whether the risk map generation system 302 is confident enough in its determination. Different thresholds may be used for different causes of an accident or different drivers. If the cause of the accident is not determined (or the risk map generation system 302 is not confident in its determination of the cause), the method may proceed to step 828. If the cause the accident is determined (or the risk map generation system 302 has enough confidence in its determination), then the method may proceed to step 826.
At step 826, the risk map generation system 302 may determine whether the cause of the accident includes an accident listed on a predetermined list of accidents. The predetermined list may be formulated by an insurance provider. An insurance provider may determine which accidents can be automatically processed by the system, and add such accidents to the predetermined list. For example, an insurance provider may determine that collisions with objects rather than other vehicles, may be processed automatically, and thus, may be added to the list. In contrast, if the cause of the accident was contact with another vehicle, it might not be readily apparent which driver is at fault (and thus, which insurance company is responsible), and thus, such types of accidents might not be on the list. In some examples, the list may comprise an animal, poor road conditions (e.g., a pothole), a flat tire, and a chipped windshield. If the cause of the accident is not one on the predetermined list, the method may proceed to step 828. If the cause of the accident can be categorized as one of the types of accidents on the predetermined list, the method may proceed to step 840.
At step 828, the risk map generation system 302 may forward the accident information to an agent of an insurance company for processing. For example, the risk generation system 302 may transmit the risk map and all associated information (e.g., risk values, road segments, sensor information, etc.) to a server (e.g., a server operated by an insurance provider). In some embodiments, the risk map may be transmitted to a user device (e.g., mobile computing device 306) or a computing device associated with an insurance agent. Upon receiving the risk map, the insurance agent may be able to evaluate the damage to the vehicle 308 and determine the cause of the accident. In some examples, the risk map may be provided to a user device associated with the police.
At step 840, the risk map generation system 302 may construct an insurance claim. Here, the constructed insurance claim may be a particular data structure including various information used for processing insurance claims. The data structure may include, in association with each other, a driver's name, a policy number of an applicable insurance policy for the vehicle, a premium of the applicable insurance policy, a deductible of the insurance policy, an amount of the claim, an indication of an amount of damage to the vehicle as a result of the accident, an image of the damage, a description of the damage, the determined cause of the accident, a location of the accident, a date/time of the accident, a date/time of constructing the insurance claim, etc. The risk map generation system 302 may use accident information, sensor information, cause of the accident information, environmental information, and vehicle information to construct an insurance claim. The risk map generation system 302 may also use risk map information and risk values to help construct the insurance claim. Once the insurance claim has been made, the method may proceed to step 842.
At step 842, the risk map generation system 302 may store the insurance claim. In some aspects, the risk map generation system 302 may store the insurance claim information in a claims database. In some aspects, the computing device may transmit the insurance claim information to an insurance provider server or another computing device that may store the insurance claim information. In some embodiments, the insurance claim may be stored with all associated data (e.g., risk map(s), risk value(s), etc.) to the accident. In some examples, the risk map generation system 302 may store the insurance claim on an insurance provider's server or on a user device (e.g., mobile computing device 306). Upon completing step 842, the method may proceed to step 844.
At step 844, the risk map generation system 302 may notify a user by transmitting, to a user device, the insurance claim information. In some aspects, the risk map generation system 302 may transmit an alert to a user device to notify a user that an insurance claim has been made for the user. Such a service may be appreciated by customers. That is, customers may appreciate that a system has automatically placed an insurance claim so that they do not have to and can focus on other matters. Some customers may also be appreciative when the system automatically places a claim for them, because they may take comfort knowing that their insurance claim is being handled in a timely manner. In accordance with aspects of the present disclosure, notification of an insurance claim may take place within just hours, minutes, or seconds of the accident occurring. In some examples, the risk map generation system 302 may push a notification to the user. Additionally, or alternatively, a user may be able to use a mobile computing device 306 or another user computing device (e.g., desktop computer) to download insurance claim information from the risk map generation system 302. In light of the above, it should be understood that an insurance company/provider, using information from the risk map, may provide insurance claim status information on a website just minutes after a customer's vehicle is involved in an accident.
At step 846, the risk map generation system 302 may evaluate the claim by determining the cost of the claim. Evaluating the claim may require the risk map generation system 302 to determine the cost of the accident. The cost of the accident may be determined by evaluating the cost to fix the vehicle(s) 308, and cost of injury to any passenger(s) in the vehicle(s) 308. In some aspects, as part of the evaluation, the risk map generation system 302 may determine whether any property was damaged and a cost to fix the damaged property. In some embodiments, the risk map generation system 302 may analyze a user's insurance policy to determine a user's coverages, and determine the amount of the claim that may be covered by insurance and the amount of the claim that may have to be paid by the user. After step 846, the method may continue to step 848.
At step 848, the risk map generation system 302 may determine whether the claim is eligible to be processed automatically or whether the claim should be forwarded to an insurance agent/adjuster for processing. The determination in step 848 may include determining whether the cost of the insurance claim is below or above a threshold. In some aspects, the threshold of the cost of the insurance claim may be determined and provided by an insurance company/provider. In some instances, the threshold may be set by a user (e.g., driver involved in the accident, policy holder, etc.). For example, if the cost of a claim was $500, and the user's threshold was set to $1,000, then the claim is below the threshold and the claim may be eligible for automatic processing. If the value or cost the insurance claim is above the threshold value, the risk map generation system 302 may determine that the claim is not eligible for automatic processing at which point the method may proceed to step 828. At step 828, the risk map generation system 302 may send the processing claim to an agent/adjuster of an insurance provider in order to complete the claim processing. The insurance agent/adjuster may decide that he/she needs to inspect the vehicle before settling the claim. For example, if the insurance agent/adjuster suspects foul play (e.g., insurance fraud), the insurance adjuster may wish to investigate the insurance claim. In an alternative embodiment, a user may select a threshold price for processing a claim. For example, if a user selects a claim processing threshold of $1000 and the value of the claim is $500, then the claim may not be processed (e.g., the user would be willing to pay for cost of the accident out of pocket). If the cost of the insurance claim is below the threshold value, the method may proceed to step 850.
At step 850, the risk map generation system 302 may automatically process the insurance claim. Such automatic processing may allow insurance companies to use their resources (e.g., employees such as insurance adjusters) efficiently. In some instances, step 850 may include reimbursing the user involved in the accident by electronically depositing money into a user's money account. In some aspects, the risk map generation system 302 may initiate a process for having a refund check sent to the user. In some aspects, the risk map generation system 302 may transmit reimbursement information to a server or computing device of the insurance provider of the user in order for the insurance provider to provide the user with a reimbursement. In some aspects, the risk map generation system 302 may provide claim information to an insurance provider or vehicle repair facility so a mechanic or place where the vehicle 308 may be repaired may be compensated. In some embodiments, processing the claim may include the risk map generation system 302 identifying and notifying a tow truck service and car repair facility for repairing the vehicle 308. In some examples, processing the claim may cause the risk map generation system 302 to send and receive information related to the insurance claim to various computing devices associated with repair facilities to acquire vehicle repair cost information. In some embodiments, processing the claim may include the risk map generation system 302 selecting a vehicle repair facility based on a user's preference or insurance provider's preference. Upon completion of step 850, the method may proceed to step 852.
At step 852, the risk map generation system 302 may determine whether or not to adjust the user's insurance. In some aspects, the risk map generation system 302 may adjust the user's insurance premium based on the accident. In some examples, the risk map generation system 302 may adjust the premium by raising or lowering the price. In other aspects, the risk map generation system 302 may adjust the coverages of the user's insurance policy. For example, the user's liability coverage and collision coverage may be increased or decreased. In some aspects, the risk map generation system 302 may determine whether or not to adjust a user's insurance based on the analyzing that occurred at step 822 of the method. In some instances, the risk map generation system 302 may adjust a user's insurance based on the claim processing of step 846. If the risk map generation system 302 determines not to adjust the user's insurance, the method may proceed to step 830, and the process may end. If the risk map generation system 302 determines to adjust the user's insurance, then the method may proceed to step 854. At step 854, the adjustment may be calculated and put into effect, and the user may be notified of the changes to their insurance policy. In some examples, the risk map generation system 302 may generate and transmit an email to be received by a user device. In other examples, the risk map generation system 302 may alert another server or computing device responsible for contacting the user and alerting them of the changes to their policy.
As with the methods of the aforementioned
The foregoing descriptions of the disclosure have been presented for purposes of illustration and description. They are not exhaustive and do not limit the disclosure to the precise form disclosed. Modifications and variations are possible in light of the above teachings or may be acquired from practicing of the disclosure. For example, where the described implementation includes software, it should be understood that a combination of hardware and software or hardware alone may be used in various other embodiments. Additionally, although aspects of the present disclosure are described as being stored in memory, one skilled in the art will appreciate that these aspects can also be stored on other types of computer-readable media, such as secondary storage devices, like hard disks, floppy disks, or CD-ROM; a carrier wave from the Internet or other propagation medium; or other forms of RAM or ROM.
| Number | Date | Country | |
|---|---|---|---|
| Parent | 14863476 | Sep 2015 | US |
| Child | 17689142 | US |
