Determining Driving Patterns from On-Board Vehicle Sensor Data

1 . A computer implemented method for providing insurance, the method comprising:

receiving, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors;

analyzing, by one or more processors, the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component;

determining, by the one or more processors, that the driving pattern indicates a change in the rating;

adjusting, by the one or more processors, the rating data component; and

processing, by the one or more processors, one or more insurance options based at least in part on the changed rating.

2 . The computer implemented method of claim 1 , further comprising:

receiving, via the computer network, a plurality of vehicle characteristic data, wherein the plurality of vehicle characteristic data is indicative of vehicle condition and/or vehicle usage; and

processing, at the one or more processors, the one or more insurance options based at least in part on the received vehicle characteristic data.

3 . The computer implemented method of claim 1 further comprising:

receiving, via the computer network, a plurality of customer data from a third party database, wherein the customer data is associated with one or more operators of the vehicle; and

determining, by the one or more processors, that the plurality of customer data from the third party database indicates a change in the rating.

4 . The computer implemented method of claim 1 further comprising:

determining, by the one or more processors, an interval period for receiving the vehicle data;

determining, by the one or more processors, that vehicle data has not been collected within the interval period; and

establishing, via the computer network, a connection with the vehicle in response to the determination that vehicle data has not been collected within the interval period.

5 . The computer implemented method of claim 1 further comprising:

adjusting, by the one or more processors, a price quote associated with the insurance policy data structure based at least in part on the changed rating.

6 . The computer implemented method of claim 1 , wherein the plurality of vehicle data is received without any intervention from a current operator of the vehicle.

7 . The computer implemented method of claim 1 , wherein the driving maneuver includes one or more of a vehicle movement, a rapid acceleration, a sudden turn, or a sudden stop.

8 . The computer implemented method of claim 1 further comprising:

determining, by the one or more processors, an operator driving pattern associated with a known operator of the vehicle; and

analyzing, by the one or more processors, the received vehicle data to determine whether the driving pattern corresponds to the known operator or an unknown operator.

9 . The computer implemented method of claim 1 , wherein the one or more sensors record the vehicle data at a sample rate of at least once per second.

10 . A computer device for providing insurance, the device comprising:

one or more processors; and

one or more memories coupled to the one or more processors;

wherein the one or more memories include computer executable instructions stored therein, that, when executed by the one or more processors, cause the one or more processors to:

receive, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the plurality of vehicle data originates from one or more sensors;

analyze the plurality of vehicle data to determine a driving pattern associated with one or more operators of the vehicle wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component;

determine that the driving pattern indicates a change in the rating;

adjust the rating data component; and

process one or more insurance options based at least in part on the changed rating.

11 . The computer device of claim 10 wherein the computer executable instructions further cause the one or more processors to:

receive, via the computer network, a plurality of vehicle characteristic data, wherein the plurality of vehicle characteristic data is indicative of vehicle condition and/or vehicle usage; and

process the one or more insurance options based at least in part on the received vehicle characteristic data.

12 . The computer device of claim 10 wherein the computer executable instructions further cause the one or more processors to:

receive, via the computer network, a plurality of customer data from a third party database, wherein the customer data is associated with the one or more operators of the vehicle; and

determine that the customer data plurality of customer data from the third party database indicates a change in the rating.

13 . The computer device of claim 10 wherein the computer executable instructions further cause the one or more processors to:

determine an interval period for receiving the vehicle data;

determine that vehicle data has not been collected within the interval period; and

establishing, via the computer network, a connection with a vehicle in response to the determination that vehicle data has not been collected within the interval period.

14 . The computer device of claim 10 wherein the computer executable instructions further cause the one or more processors to adjust a price quote associated with the insurance policy data structure based at least in part on the changed rating.

15 . The computer device of claim 10 wherein the computer executable instructions further cause the one or more processors to receive the plurality of vehicle data without any intervention from a current operator of the vehicle.

16 . The computer implemented method of claim 10 wherein the computer executable instructions further cause the one or more processors to determine that the driving maneuver includes one or more of a vehicle movement, a rapid acceleration, a sudden turn, or a sudden stop.

17 . The computer implemented method of claim 10 wherein the received vehicle data is recorded at a sample rate of at least once per second.

18 . The computer device of claim 10 wherein the computer executable instructions further cause the one or more processors to:

determine an operator driving pattern associated with a known operator of the vehicle; and

analyze the received vehicle data to determine whether the driving pattern corresponds to the known operator or an unknown operator.

19 . A non-transitory computer readable storage medium comprising non-transitory computer readable instructions stored thereon, that, when executed by one or more processors, cause the one or more processors to:

receive, via a computer network, vehicle data that indicates one or more driving maneuvers of a vehicle, wherein the vehicle data originates from one or more sensors;

analyze the received vehicle data to determine a driving pattern associated with one or more operators of the vehicle, wherein the driving pattern includes a plurality of driving maneuvers and the vehicle corresponds to an insurance policy data structure having a rating data component;

determine that the driving pattern indicates of a change in the rating;

adjust the rating of the rating data component; and

process one or more insurance options based at least in part on the changed rating.

20 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to:

receive, via the computer network, a plurality of vehicle characteristic data, wherein the plurality of vehicle characteristic data is indicative of vehicle condition and/or vehicle usage; and

process the one or more insurance options based at least in part on the received vehicle characteristic data.

21 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to:

receive, via the computer network, a plurality of customer data from a third party database, wherein the customer data is associated with the one or more operators of the vehicle; and

determine that the plurality of customer data from the third party database indicates of a change in the rating.

22 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to:

determine an interval period for receiving the vehicle data;

determine that vehicle data has not been collected within the interval period; and

establishing, via the computer network, a connection with the vehicle in response to the determination that vehicle data has not been collected within the interval period.

23 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to:

adjust a price quote associated with the insurance policy data structure based at least in part on the changed rating.

24 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to receive the plurality of vehicle data without any intervention from the current operator of the vehicle.

25 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to determine that the driving maneuver includes one or more of a vehicle movement, a rapid acceleration, a sudden turn, or a sudden stop.

26 . The non-transitory computer readable storage medium of claim 19 wherein the received vehicle data is recorded at a sample rate of at least once per second.

27 . The non-transitory computer readable storage medium of claim 19 , wherein the computer readable instructions when executed on the one or more processors further cause the one or more processors to:

determine an operator driving pattern associated with a known operator of the vehicle; and

analyze the received vehicle data to determine whether the driving pattern corresponds to the known operator or an unknown operator.