PERSONAL INSURANCE POLICIES
Methods and systems for monitoring use, determining risk, and pricing insurance policies are provided. In one aspect, a computer-implemented method for generating or adjusting an insurance policy is provided. With an insurance customer's permission, data regarding several factors associated with the customer may be received via wireless communication from their mobile device, vehicle controller, or smart home controller. The data may be related to (i) the customer's home, (ii) an autonomous or semi-autonomous vehicle, and/or (iii) home and vehicle features, maintenance history, and/or repairs performed to each over time. Risk levels may be determined using the data received. Aspects of one or more insurance policies (auto, home, life, etc.) may be adjusted based upon the risk levels. An updated insurance discount may be transmitted to the customer's mobile device via wireless communication for their review and approval. As a result, insurance discounts may be provided to risk averse insurance customers.
1 - 20 . (canceled)
21 . A computer-implemented method of generating or adjusting a personal automobile insurance policy, the method comprising:
receiving data, by one or more processors at a remote insurance provider server, related to home upgrades for an insured smart home of an insured from a smart home controller associated with the insured home;
receiving data, by the one or more processors, related to past vehicle maintenance for a first vehicle previously owned by the insured from a first smart vehicle controller associated with the vehicle previously owned;
receiving data, by the one or more processors, related to driving behavior of the insured from a second smart vehicle controller associated with a second vehicle;
receiving data, by the one or more processors, related to autonomous or semi-autonomous vehicle functionality usage by the insured from a third smart vehicle controller which controls the autonomous or semi-autonomous vehicle functionality in response to sensor data from one or more vehicle mounted sensors configured to indicate operating parameters relating to the autonomous or semi-autonomous vehicle functionality;
generating or adjusting, by the one or more processors, a vehicle insurance policy based upon (1) the home upgrades for the insured home performed by the insured; (2) the past vehicle maintenance for the vehicle previously owned by the insured; (3) the driving behavior of the insured; and (4) the autonomous or semi-autonomous vehicle functionality usage by the insured to facilitate providing insurance-related cost savings to the insured: and
presenting the vehicle insurance policy to the insured for review.
22 . The computer-implemented method of claim 21 , wherein the data related to the home upgrades for the insured home is generated or collected by a local smart home controller.
23 . The computer-implemented method of claim 21 , wherein the data related to the past vehicle maintenance for the previously owned vehicle by the insured is generated or collected by the first smart vehicle controller.
24 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
automatic or semi-automatic steering; or
automatic or semi-automatic acceleration or braking.
25 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
automatic or semi-automatic blind spot monitoring; or
automatic or semi-automatic collision warning.
26 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
adaptive cruise control; or
automatic or semi-automatic parking assistance.
27 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
driver alertness or responsive monitoring.
28 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
pedestrian detection.
29 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
artificial intelligence.
30 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
anti-hacking measures.
31 . The computer-implemented method of claim 21 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
theft prevention systems.
32 . The computer-implemented method of claim 21 , wherein generating or adjusting, by the one or more processors, the insurance policy includes at least one of changing a premium, a discount rate, a cost, a coverage level, a deductible level, a coverage type, or a rate of the insurance policy.
33 . A computer-implemented method of generating or adjusting a personal automobile insurance policy, the method comprising:
receiving data, by one or more processors at a remote insurance provider server, from a local smart home controller, the data related to home upgrades for an insured home of an insured;
receiving data, by the one or more processors, from a first smart vehicle controller, the data related to past vehicle maintenance for one or more vehicles previously owned by the insured;
receiving data, by the one or more processors, from a second smart vehicle controller, the data related to driving behavior of the insured;
receiving data, by the one or more processors, from a third smart vehicle controller, the data related to autonomous or semi-autonomous vehicle functionality usage by the insured and the third controller being configured to control autonomous or semi-autonomous vehicle functionality in response to sensor data from one or more vehicle mounted sensors configured to indicate operating parameters relating to the autonomous or semi-autonomous vehicle functionality;
receiving data, by the one or more processors, related to at least one of a lifestyle characteristic of the insured, a risky behavior of the insured, or a risk adverse behavior of the insured;
generating or adjusting, by the one or more processors, an insurance policy based upon (1) the home upgrades for the insured home performed by the insured; (2) the past vehicle maintenance for the vehicle previously owned by the insured; (3) the driving behavior of the insured; (4) the autonomous or semi-autonomous vehicle functionality usage by the insured; and (5) the at least one of the lifestyle characteristic of the insured, the risky behavior of the insured, or the risk adverse behavior, of the insured to facilitate providing insurance-related cost savings to the insured or to customers that are generally risk adverse; and
presenting the vehicle insurance policy to the insured for review.
34 . The computer-implemented method of claim 33 , wherein the data related to the home upgrades for the insured home is generated or collected by the local smart home controller.
35 . The computer-implemented method of claim 33 , wherein the data related to the past vehicle maintenance for the previously owned vehicle by the insured is generated or collected by the first smart vehicle controller.
36 . The computer-implemented method of claim 33 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
automatic or semi-automatic blind spot monitoring;
or automatic or semi-automatic collision warning.
37 . The computer-implemented method of claim 33 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
driver alertness or responsive monitoring.
38 . The computer-implemented method of claim 33 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
artificial intelligence.
39 . The computer-implemented method of claim 33 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
anti-hacking measures.
40 . The computer-implemented method of claim 33 , wherein the data related to autonomous or semi-autonomous vehicle functionality usage is generated or collected by the second smart vehicle controller, and wherein the autonomous or semi-autonomous vehicle functionality usage includes or is related to:
theft prevention systems.