Autonomous vehicle operating style and mode monitoring
Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, with the insurance customer's permission, operation of an autonomous (or semi-autonomous vehicle) by a vehicle operator may be monitored. Based upon vehicle and/or other data analysis, an identity of the operator may be determined, and operating data regarding the autonomous or semi-autonomous vehicle while the operator at least partially controls the autonomous vehicle may be monitored. A vehicle operator profile that includes information regarding an operating style of the vehicle operator based upon the operating data may be determined. Risk levels associated with operation of the autonomous vehicle based upon the information regarding the vehicle operator's operating style may be determined. Insurance discounts may be provided to risk averse vehicle owners and/or operators, or those that utilize vehicle risk mitigation or prevention technology.
1. A computer-implemented method for monitoring operation of an autonomous or semi-autonomous vehicle by a vehicle operator, comprising:
obtain, by one or more processors, operator identifying data regarding the vehicle operator from (i) one or more sensors within the autonomous or semi-autonomous vehicle or (ii) a communication connection between a mobile device of the vehicle operator and an on-board computer of the autonomous or semi-autonomous vehicle;
determining, by one or more processors, an identity of the vehicle operator based upon the operator identifying data;
monitoring, by one or more processors, operating data regarding the autonomous or semi-autonomous vehicle while the vehicle operator controls at least part of the operations of the autonomous or semi-autonomous vehicle, wherein the operating data includes data from the one or more sensors disposed within the autonomous or semi-autonomous vehicle and control commands issued by the vehicle operator;
determining, by one or more processors, a vehicle operator profile associated with the vehicle operator based upon the monitored operating data, which vehicle operator profile includes information regarding an operating style of the vehicle operator;
determining, by one or more processors, one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle by the vehicle operator based upon the information regarding the operating style of the vehicle operator, wherein the one or more risk levels include one or more autonomous operation risk levels associated with operation of the autonomous or semi-autonomous vehicle by one or more autonomous operation features of the autonomous or semi-autonomous vehicle according to the operating style of the vehicle operator; and
storing, by one or more processors, the vehicle operator profile and the one or more risk levels in a non-transitory memory.
2. The computer-implemented method of claim 1 , further comprising:
receiving, at one or more processors, the vehicle operator profile from the non-transitory memory;
monitoring, by one or more processors, further operating data regarding the vehicle while the vehicle operator controls at least part of the operations of the vehicle during a separate instance of operation of the autonomous or semi-autonomous vehicle by the vehicle operator;
updating, by one or more processors, the vehicle operator profile; and
storing, by one or more processors, the updated vehicle operator profile in the non-transitory memory.
3. The computer-implemented method of claim 1 , further comprising:
determining, by one or more processors, a cost associated with an insurance policy associated with the vehicle operator based upon the determined one or more risk levels.
4. The computer-implemented method of claim 3 , wherein the vehicle operator profile includes information regarding the one or more risk levels.
5. The computer-implemented method of claim 3 , wherein the cost associated with the insurance policy is based at least in part upon the determined one or more risk levels and one or more of the following: duration of operation by the vehicle operator, distance of operation by the vehicle operator, or extent of operation by the vehicle operator.
6. The computer-implemented method of claim 1 , further comprising:
receiving, at one or more processors, a selection of an operating mode of the autonomous or semi-autonomous vehicle;
causing, by one or more processors, one or more autonomous operation features to control part or all of the operation of the vehicle based upon the selected operating mode.
7. The computer-implemented method of claim 6 , wherein:
the operating mode indicates operation based upon the vehicle operator profile, and
causing the one or more autonomous operation features to control part or all of the operation of the vehicle based upon the selected operating mode includes causing the one or more autonomous operation features to mimic the vehicle operator in one or more of the following aspects of vehicle operation: average speed, averaging braking, average acceleration, average stopping, average turning, average lane switching, or average following distance to a next vehicle.
8. The computer-implemented method of claim 6 , further comprising:
determining, by one or more processors, a cost associated with an insurance policy based upon the selected operating mode and the vehicle operator profile, wherein the cost is determined based at least in part upon at least one of the following: duration of operation using the selected operating mode, distance of operation using the selected operating mode, or extent of operation by the one or more autonomous operation features based upon the vehicle operator profile.
9. The computer-implemented method of claim 1 , further comprising:
determining, by one or more processors, one or more skill levels of the vehicle operator based upon the determined vehicle operator profile.
10. The computer-implemented method of claim 9 , further comprising:
generating, by one or more processors, a report certifying the one or more skill levels of the vehicle operator.
11. The computer-implemented method of claim 10 , further comprising:
receiving, at one or more processors, the report certifying the one or more skill levels of the vehicle operator;
determining, by one or more processors, an adjustment to a cost associated with an insurance policy based upon the received report; and
causing, by one or more processors, the adjustment to the cost associated with the insurance policy to be implemented.
12. The computer-implemented method of claim 9 , wherein the vehicle operator operates the autonomous or semi-autonomous vehicle through a test environment for the purpose of determining the one or more skill levels of the vehicle operator.
13. A computer system for monitoring operation of an autonomous or semi-autonomous vehicle by a vehicle operator, comprising:
one or more processors;
one or more sensors disposed within the autonomous or semi-autonomous vehicle and communicatively connected to the one or more processors; and
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:
obtain operator identifying data regarding the vehicle operator from (i) one or more sensors within the autonomous or semi-autonomous vehicle or (ii) a communication connection between a mobile device of the vehicle operator and an on-board computer of the autonomous or semi-autonomous vehicle;
determine an identity of the vehicle operator based upon the operator identifying data;
monitor operating data regarding the autonomous or semi-autonomous vehicle while the vehicle operator controls at least part of the operations of the autonomous or semi-autonomous vehicle, wherein the operating data includes data from the one or more sensors disposed within the autonomous or semi-autonomous vehicle and control commands issued by the vehicle operator;
determine a vehicle operator profile associated with the vehicle operator based upon the monitored operating data, which vehicle operator profile includes information regarding an operating style of the vehicle operator;
determine one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle by the vehicle operator based upon the information regarding the operating style of the vehicle operator, wherein the one or more risk levels include one or more autonomous operation risk levels associated with operation of the autonomous or semi-autonomous vehicle by one or more autonomous operation features of the autonomous or semi-autonomous vehicle according to the operating style of the vehicle operator; and
store the vehicle operator profile and the one or more risk levels in a non-transitory memory.
14. The computer system of claim 13 , wherein the program memory further includes executable instructions that cause the computer system to:
receive the vehicle operator profile from the non-transitory memory;
monitor further operating data regarding the vehicle while the vehicle operator controls at least part of the operations of the vehicle during a separate instance of operation of the autonomous or semi-autonomous vehicle by the vehicle operator;
update the vehicle operator profile; and
store the updated vehicle operator profile in the non-transitory memory.
15. The computer system of claim 13 , wherein the program memory further includes executable instructions that cause the computer system to:
receive a selection of an operating mode of the autonomous or semi-autonomous operation vehicle, wherein the operating mode indicates operation based upon the vehicle operator profile;
cause one or more autonomous operation features to control part or all of the operation of the vehicle based upon the selected operating mode, including causing the one or more autonomous operation features to mimic the vehicle operator in one or more of the following aspects of vehicle operation: average speed, averaging braking, average acceleration, average stopping, average turning, average lane switching, or average following distance to a next vehicle.
16. The computer system of claim 15 , wherein the program memory further includes executable instructions that cause the computer system to:
determine a cost associated with an insurance policy based upon the selected operating mode and the vehicle operator profile, wherein the cost is determined based at least in part upon at least one of the following: duration of operation using the selected operating mode, distance of operation using the selected operating mode, or extent of operation by the one or more autonomous operation features based upon the vehicle operator profile.
17. A tangible, non-transitory computer-readable medium storing executable instructions for monitoring operation of an autonomous or semi-autonomous vehicle by a vehicle operator that, when executed by at least one processor of a computer system, cause the computer system to:
obtain operator identifying data regarding the vehicle operator from (i) one or more sensors within the autonomous or semi-autonomous vehicle or (ii) a communication connection between a mobile device of the vehicle operator and an on-board computer of the autonomous or semi-autonomous vehicle;
determine an identity of the vehicle operator based upon the operator identifying data;
monitor operating data regarding the autonomous or semi-autonomous vehicle while the vehicle operator controls at least part of the operations of the autonomous or semi-autonomous vehicle, wherein the operating data includes data from the one or more sensors disposed within the autonomous or semi-autonomous vehicle and control commands issued by the vehicle operator;
determine a vehicle operator profile associated with the vehicle operator based upon the monitored operating data, which vehicle operator profile includes information regarding an operating style of the vehicle operator;
determine one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle by the vehicle operator based upon the information regarding the operating style of the vehicle operator, wherein the one or more risk levels include one or more autonomous operation risk levels associated with operation of the autonomous or semi-autonomous vehicle by one or more autonomous operation features of the autonomous or semi-autonomous vehicle according to the operating style of the vehicle operator; and
store the vehicle operator profile and the one or more risk levels in a non-transitory memory.
18. The tangible, non-transitory computer-readable medium of claim 17 , further including executable instructions that cause the computer system to:
receive the vehicle operator profile from the non-transitory memory;
monitor further operating data regarding the vehicle while the vehicle operator controls at least part of the operations of the vehicle during a separate instance of operation of the autonomous or semi-autonomous vehicle by the vehicle operator;
update the vehicle operator profile; and
store the updated vehicle operator profile in the non-transitory memory.
19. The tangible, non-transitory computer-readable medium of claim 17 , further including executable instructions that cause the computer system to:
receive a selection of an operating mode of the autonomous or semi-autonomous operation vehicle, wherein the operating mode indicates operation based upon the vehicle operator profile;
cause one or more autonomous operation features to control part or all of the operation of the vehicle based upon the selected operating mode, including causing the one or more autonomous operation features to mimic the vehicle operator in one or more of the following aspects of vehicle operation: average speed, averaging braking, average acceleration, average stopping, average turning, average lane switching, or average following distance to a next vehicle.
20. The tangible, non-transitory computer-readable medium of claim 19 , further including executable instructions that cause the computer system to:
determine a cost associated with an insurance policy based upon the selected operating mode and the vehicle operator profile, wherein the cost is determined based at least in part upon at least one of the following: duration of operation using the selected operating mode, distance of operation using the selected operating mode, or extent of operation by the one or more autonomous operation features based upon the vehicle operator profile.