Allstate Insurance Company

William Polisson

Dana Ferguson

Eric D Huls

Grady Irey

Caryl M Styrsky

Christine L Bischoff

Meg G Walters

Ralph Adam Benjamin Tyner

Mark V Slusar

Regina Madigan

Surender Kumar

Timothy W Gibson

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

A method, medium, and apparatus for educating and reducing risk to inexperienced drivers using vehicles with autonomous navigation systems. Data regarding a driver's past experience with vehicles and operating environments may be used to proactively warn the driver about a potential danger detected or predicted by the vehicle. An autonomous vehicle may prevent the driver from operating the vehicle under unfamiliar circumstances or from causing a collision. Data regarding a driver's past experience with vehicles and the safety features thereof may be used to mitigate risk of injury or property damage by selectively activating safety features in a new vehicle which the driver has not previously driven. Data regarding a driver's past experience with vehicles and safety features thereof may be used to determine a decreased or increased rental rate for a particular vehicle.

Driving cues and coaching

Systems and methods are disclosed for determining the efficacy of an autonomous vehicle driving system in exhibiting safe driving behavior during test track scenarios. Testing parameters eliciting autonomous vehicle driving system behavior may be chosen for the test track scenario. The autonomous vehicle driving system may be tested in the test track and autonomous vehicle driving system behavior may be observed in response to the presentations of testing parameters. A safe driving score may be calculated for the autonomous vehicle driving system based on measured autonomous vehicle performance and operational data generated responsive to the presentation of testing parameters in the test track. A benchmark insurance premium may be calculated for an autonomous vehicle driving system based on the calculated safe driving score.

Testing autonomous cars

Growing community of inventors

Vernon Hills, IL, United States of America

William Polisson