Allstate Insurance Company

Arity International Limited

Other

Grady Irey

Caryl M Styrsky

Edward A Biemer

Dana Ferguson

Eric D Huls

Jared S Snyder

Meg G Walters

Christine L Bischoff

William Polisson

Ralph Adam Benjamin Tyner

Frank Kazas

Michael P Aabram

Soren K Lundsgaard

Rachel Edelshteyn Allen

Neal Edgar Coleman, Ii

Howard Hayes

Mark V Slusar

Regina Madigan

Timothy W Gibson

Imran Iqbal

Steven Carl Verney

Systems and methods are provided for accumulating and maintaining funds (e.g., money, a money proxy or a combination thereof) in a vehicle maintenance savings account. The account funds may be used to pay for the costs of maintaining and/or operating a vehicle (e.g., costs of maintenance and operation associated with ownership, leasing or renting a vehicle) and/or driver safety. For instance, the balance of the account may be used to pay for driver's education, driver's safety courses, attention improvement/maintenance courses, visual acuity improvement/maintenance courses, vehicle maintenance, repair, inspections, registration, check-ups, replacement parts, emissions testing, government stickers, taxes, license plates, insurance premiums, insurance deductibles, safety products, sensors/monitors, disposal fees, new vehicles of a certain type, etc. The vehicle maintenance savings account system may collect and analyze user data, and may accumulate funds for the user when the user engages in certain user behaviors (e.g., safe driving behaviors, purchase behaviors, account use behaviors, etc.).

System and method for accumulation and maintenance of money in a vehicle maintenance savings account

Systems and method are described for receiving, by a computing platform, information about a first user of a shared mobility service, generating, based on the information about the first user, a first user profile comprising one or more first user attributes, comparing the one or more first user attributes to one or more second user attributes of a second user profile associated with a second user of the shared mobility service, and based on the comparison, causing a vehicle carrying the second user to pick up the first user.

Shared mobility service passenger matching based on passenger attributes

Aspects of the disclosure relate to multicomputer processing of vehicle operational data from telematics devices and other sources with centralized event control. An event control computing platform may receive vehicle operational data from a telematics device associated with a user. Subsequently, the event control computing platform may identify, based on the received data, whether at least one criterion associated with the user has been satisfied. If the received data indicates that the at least one criterion associated with the user has been satisfied, then the event control computing platform may generate a command configured to cause a change to a subunit of user data and then may transmit the generated command to a subunit provisioning server.

Multicomputer processing of user data with centralized event control

Methods, computer-readable media, systems and apparatuses for determining and implementing dynamic usage-based insurance policies are presented. A cost per day and a cost per mile associated with the dynamic usage-based insurance policy may be determined. The cost per mile may be computed independently for each of a plurality of road segments comprising a trip based on a time of day that the vehicle traveled each road segment, a road type associated with each road segment. The cost per mile of each road segment of the driving trip may further include whether or not hard braking or hard cornering events were encountered during a specified cumulative driving distance that may include, at least a portion, of a plurality of driving trips. The cost per mile for each of the plurality of driving trips may be adjusted once a threshold distance has been traveled by the vehicle based on the number of hard braking events and hard cornering events occurred during that distance.

Dynamic usage-based policies

Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit usage-based insurance policies. In some arrangements, sensor data associated with vehicle operation data, driving data, and the like, may be received and analyzed to determine a consumption rate of risk units in the risk unit usage-based insurance policy. In some examples, one or more driving behaviors may also be identified (e.g., from the sensor data, historical data, and the like). In some examples, one or more user interfaces may be generated displaying the determined consumption rate and/or driving behaviors. In some arrangements, additional information, such as one or more recommendations for improving (e.g., reducing) consumption rate may be generated and provided via the generated user interface.

Interactive dashboard display

A system may determine an initial safety prediction for a driver or rider associated with a shared mobility service. Then the system may receive, from various sensors, sensor data collected during operation of a vehicle. The system may determine a subset of the sensor data related to one or more shared mobility statuses, then determine, based on the subset of the sensor data, a safety score for the driver and/or rider. The system may further perform operations based on the safety score and/or the initial safety prediction.

Controlling vehicles using contextual driver and/or rider data based on automatic passenger detection and mobility status

Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. If a number of risk units in a risk unit account is below a predetermined threshold, a notification may be transmitted to the user and/or a predetermined number of risk units may be automatically added to the risk unit account.

Risk unit based policies

Methods, computer-readable media, systems and apparatuses for determining and implementing usage-based insurance policies are presented. A first cost per day and second cost per day associated with the usage-based insurance policy may be determined and a cost for a first trip may be determined based on the cost per day and cost per mile. Driving data received during the first trip may be used to modify the cost per day and cost per mile to determine a second cost per day and/or cost per mile that may be used to determine a cost of subsequent driving trips.

Usage-based policies

A system may include a telematics device associated with a vehicle, a first computing device, a second computing device associated with a driver of the vehicle, a database, and a driving behaviors analysis server. The driving behaviors analysis server may receive, from the telematics device, driving data of the driver of the vehicle and identify one or more driving behaviors of the driver based on the driving data. The driving behaviors analysis server may assign a driver safety rating to the driver based on the identification and may determine one or more rated vehicles with safety ratings that correspond to or are similar to the driver safety rating assigned to the driver based on parsing data regarding a plurality of rated vehicles in the database. Further, the driving behaviors analysis server may generate and send a customized recommendation to the driver presenting information regarding the one or more rated vehicles.

Vehicle rating system

Aspects of the present disclosure are directed toward systems and methods for using vehicle telematics information to compensate individuals for increases in fuel prices above a guaranteed fuel price. The approaches described herein compensate the individuals based on the difference between a guaranteed fuel price and a comparison fuel price for a coverage period, the distance traveled during the coverage period, and the estimated fuel economy of the vehicle type. A baseline fuel price is determined and used to set a guaranteed price for a coverage period. During the coverage period, a telematics device collects telematics information associated with trips taken in a vehicle. That telematics information is then stored at a data store and used to compensate an individual associated with the vehicle when fuel prices rise during the coverage period to exceed the guaranteed fuel price.

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Des Plaines, IL, United States of America

Grady Irey