Allstate Insurance Company

Thomas McKenna

Regina Madigan

Dana Ferguson

Julie A Jordan Peters

Philip Peter Ramirez

Chienlan Hsu-Hoffman

Derek Otten

A system for determining a subjective risk score may include a vehicle and/or a computing device associated with a user travelling within the vehicle. The computing device may receive input from the user when the user feels a sense of unease regarding a particular road segment upon which the vehicle is traveling. The system may further include a subjective risk analysis computing system that may be communicatively coupled to the computing device. The subjective risk analysis computing system may receive subjective risk information corresponding to the user's sense of unease regarding particular road segments and may process the subjective risk information to determine a subjective risk score for each of a plurality of road segments along a route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy.

Subjective route risk mapping and mitigation

Methods, computer-readable media, systems, and apparatuses for determining a safest road segment for traveling between two locations are provided. In some cases, a road segment safety rating may be determined for a plurality of road segments between the two locations based on historical data associated with the road segments and/or based on driving behavior data of an operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle may be compared to the safest route. If the actual route of travel is different from the determined safest route, the operator may be notified that an award may be earned when the determined safest route is traveled. If the actual route of travel is determined to be safer than the determined safest route, an award may be earned.

Road segment safety rating system

Methods, computer-readable media, systems and apparatuses for determining a safest road segment for traveling between a first location and a second location are provided. In some cases, the road segment safety rating may be determined for a plurality of road segments between the first location and the second location based on historical data associated with the road segments (e.g., accident history data, traffic volume data, etc.) and/or based on driving behavior data of the operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle can be captured and compared to the safest route. If the vehicle has traveled the safest route, the operator may earn an award. If not, the operator may be notified that an award may be earned when an indicated safest route is traveled.

Methods, computer-readable media, systems and apparatuses for determining a road segment safety rating are provided. In some arrangements, the road segment safety rating may be based on historical data associated with the road segment (e.g., accident history data, traffic volume data, etc.). In other examples, the road segment safety rating may be based on historical data as well as driving behavior data of the operator of the vehicle. In some arrangements, the determined road segment safety rating may be compared to a threshold. If the road segment safety rating is below the threshold, the system may generate one or more alternate road segments or route for the driver to consider. In some examples, the road segment safety rating may be used to determine an insurance premium or one or more insurance incentives to provide to the user.

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San Francisco, CA, United States of America

Thomas McKenna