Granted Patent B1

US 12,315,013 · App. 17/014,222 · Granted May 27, 2025

Inventors: Suresh Augustine (Chicago, IL); Edward A. Biemer (Glencoe, IL); Dagmar Dugan (Hawthorn Woods, IL); Jennifer Field (Northbrook, IL); Laura Flodin (Chicago, IL)

Assignee: Allstate Insurance Company

G06Q40/08

Abstract

Claims (53)

1. A method comprising:

determining, by a computing device, a first autonomy level of a vehicle during a first time period, wherein the first autonomy level corresponds to complete autonomous control or semi-autonomous control of the vehicle;

sending, by the computing device, an instruction to cause the vehicle to change to a second autonomy level during a second time period based on an environmental condition of the vehicle, wherein the second autonomy level corresponds to the complete autonomous control or the semi-autonomous control of the vehicle, and wherein the first autonomy level is different from the second autonomy level;

determining, by the computing device, operational data of the vehicle during the first time period and the second time period after an autonomous driving feature is switched off, the determining the operational data of the vehicle comprising determining a history of response of a driver of the vehicle to the autonomous driving feature being switched off over a period of time;

determining a first mileage unit indicating a total distance traveled by the vehicle over at least one of a road-type or a weather condition when the vehicle was engaged in one of the first autonomy level or the second autonomy level;

determining a second mileage unit indicating a total distance traveled by the vehicle over at least one of the road-type or the weather condition;

determining a ratio between the first mileage unit and the second mileage unit;

determining, by the computing device, and based on the first autonomy level and based on the operational data associated with the first time period, a first value of a property of an insurance policy for the first time period;

determining, by the computing device, and based on the second autonomy level and based on the operational data associated with the second time period, a second value of the property of the insurance policy for the second time period; and

adjusting one of the first value or the second value based on the ratio.

2. The method of claim 1 , wherein the instruction comprises an instruction to cause the vehicle to switch from a currently engaged autonomous driving feature to a manual driving feature.

3. The method of claim 1 , wherein the first autonomy level corresponds to complete autonomous control, and the second autonomy level corresponds to semi-autonomous control,

wherein the determining the first value of the property of the insurance policy is independent from driver-dependent variables, and

wherein the determining the second value of the property of the insurance policy is further based on one or more driver-dependent variables.

4. The method of claim 1 , wherein the first autonomy level and the second autonomy level both correspond to semi-autonomous,

wherein the determining the first value of the property of the insurance policy is further based on one or more driver-dependent variables, and

wherein the determining the second value of the property of the insurance policy is further based on one or more driver-dependent variables.

5. The method of claim 1 , wherein the vehicle is engaged with an autonomous driving feature during the first time period, and the autonomous driving feature is switched off during the second time period.

6. The method of claim 1 , wherein the property of the insurance policy comprises at least one of a premium, a deductible, a coverage term, and a coverage amount.

7. The method of claim 1 , wherein the property of the insurance policy comprises an insurance quote for the vehicle.

8. The method of claim 1 , wherein the first autonomy level comprises an average level of autonomy of the vehicle over the first time period, and the second autonomy level comprises an average level of autonomy of the vehicle over the second time period.

9. The method of claim 1 , further comprising:

determining a difference between the first value of the property of the insurance policy and the second value of the property of the insurance policy; and

sending a notification of the difference.

10. The method of claim 1 , further comprising:

determining a density of surrounding vehicles that are within a predetermined distance of the vehicle during the first time period,

wherein the determining the first value of the property of the insurance policy is further based on the density of the surrounding vehicles.

11. A method comprising:

sending, by a computing device, an instruction to a first vehicle being operated in an autonomous or semi-autonomous mode having autonomous driving features to switch at least one of the autonomous driving features to a manual driving feature based on a determination that an environmental condition of the vehicle has been met and a teaching feature has been enabled;

determining, by the computing device, operational data of the first vehicle operated under the manual driving feature after the at least one of the autonomous driving features is switched to the manual driving feature, the determining the operational data of the first vehicle comprising determining a history of response of a driver of the vehicle to the at least one of the autonomous driving features being switched to the manual driving feature over a period of time;

determining, by the computing device, a density of surrounding vehicles that are within a predetermined distance of the first vehicle;

determining, by the computing device, a value of a property of an insurance policy for the first vehicle, wherein the determining the value of the property of the insurance policy is based on:

the operational data of the first vehicle operated under the manual driving feature after the at least one of the autonomous driving features is switched to the manual driving feature, and

the density of the surrounding vehicles;

determining a first mileage unit indicating a total distance traveled by the first vehicle when the first vehicle was operated in the autonomous or semi-autonomous mode over at least one of a road-type or a weather condition;

determining a second mileage unit indicating a total distance traveled by the first vehicle over at least one of the road-type or the weather condition;

determining a ratio between the first mileage unit and the second mileage unit; and

adjusting the value of the property of the insurance policy for the first vehicle based on the ratio.

12. The method of claim 11 , further comprising:

receiving data associated with vehicle types of the surrounding vehicles, wherein the vehicle types comprise a completely autonomous vehicle, a semi-autonomous vehicle, and a non-autonomous vehicle; and

determining, based on the received data, a density of completely autonomous vehicles of the surrounding vehicles, a density of semi-autonomous vehicles of the surrounding vehicles, and a density of non-autonomous vehicles of the surrounding vehicles.

13. The method of claim 12 , further comprising:

based on comparison between the density of the completely autonomous vehicles of the surrounding vehicles, the density of the semi-autonomous vehicles of the surrounding vehicles, and the density of the non-autonomous vehicles of the surrounding vehicles, adjusting the value of the property of the insurance policy.

14. The method of claim 13 , further comprising:

based on the density of the completely autonomous vehicles exceeding a first threshold density or the density of the semi-autonomous vehicles exceeding a second threshold density, decreasing the value of the property of the insurance policy.

15. The method of claim 13 , further comprising:

based on the density of the non-autonomous vehicles exceeding a third threshold density, increasing the value of the property of the insurance policy.

16. The method of claim 11 , wherein the property of the insurance policy comprises at least one of a premium, a deductible, a coverage term, and a coverage amount.

17. The method of claim 11 , wherein the property of the insurance policy comprises an insurance quote for the first vehicle.

18. The method of claim 11 , wherein the first vehicle is completely autonomous, and

wherein the determining the value of the property of the insurance policy is independent from driver-dependent variables.

19. The method of claim 11 , wherein the first vehicle is semi-autonomous, and

wherein the determining the value of the property of the insurance policy is further based on one or more driver-dependent variables.

Assignments (1)

Continuity (2)

References Cited (400)