The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Dec. 23, 2025

Filed:

Jun. 28, 2023
Applicant:

State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);

Inventors:

Blake Konrardy, Bloomington, IL (US);

Scott T. Christensen, Gibson City, IL (US);

Gregory Hayward, Bloomington, IL (US);

Scott Farris, Bloomington, IL (US);

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/08 (2012.01); B60Q 9/00 (2006.01); B60R 21/00 (2006.01); B60W 30/16 (2020.01); B60W 40/09 (2012.01); G05B 15/02 (2006.01); G06F 30/20 (2020.01); G06Q 10/0635 (2023.01); G06Q 10/10 (2023.01); G06Q 20/08 (2012.01); G06Q 40/04 (2012.01); G06V 20/59 (2022.01); G07C 5/00 (2006.01); G07C 5/08 (2006.01); G08B 21/06 (2006.01); G08B 25/08 (2006.01); G08G 1/00 (2006.01); G08G 1/005 (2006.01); G08G 1/0967 (2006.01); G08G 1/14 (2006.01); G08G 1/16 (2006.01); H04L 67/12 (2022.01); H04W 4/44 (2018.01); H04W 4/90 (2018.01); B60W 40/08 (2012.01); B60W 50/00 (2006.01); G01S 19/13 (2010.01); G06Q 50/40 (2024.01); H04W 4/46 (2018.01);
U.S. Cl.
CPC ...
G06Q 40/08 (2013.01); B60Q 9/00 (2013.01); B60R 21/00 (2013.01); B60W 30/16 (2013.01); B60W 40/09 (2013.01); G05B 15/02 (2013.01); G06F 30/20 (2020.01); G06Q 10/0635 (2013.01); G06Q 20/0855 (2013.01); G06Q 40/04 (2013.01); G06V 20/597 (2022.01); G07C 5/008 (2013.01); G07C 5/08 (2013.01); G07C 5/0808 (2013.01); G07C 5/0816 (2013.01); G08B 21/06 (2013.01); G08B 25/08 (2013.01); G08G 1/005 (2013.01); G08G 1/096725 (2013.01); G08G 1/096741 (2013.01); G08G 1/09675 (2013.01); G08G 1/096758 (2013.01); G08G 1/096775 (2013.01); G08G 1/096783 (2013.01); G08G 1/096791 (2013.01); G08G 1/143 (2013.01); G08G 1/147 (2013.01); G08G 1/164 (2013.01); G08G 1/165 (2013.01); G08G 1/166 (2013.01); G08G 1/167 (2013.01); G08G 1/205 (2013.01); H04L 67/12 (2013.01); H04W 4/44 (2018.02); H04W 4/90 (2018.02); B60R 2021/0027 (2013.01); B60W 2040/0818 (2013.01); B60W 2050/0095 (2013.01); B60W 2050/0096 (2013.01); G01S 19/13 (2013.01); G06Q 50/40 (2024.01); G07C 5/085 (2013.01); H04W 4/46 (2018.02);
Abstract

Methods and systems for determining risk associated with operation of autonomous vehicles using autonomous communication are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including features associated with autonomous communication between vehicles or with infrastructure. This information may be used to determine risk levels for a plurality of features, which may be based upon test data regarding the features or actual loss data. Expected use levels and autonomous communication levels may further be determined and used with the risk levels to determine a total risk level associated with operation of the vehicle. The autonomous communication levels may indicate the types of communications, the levels of communication with other vehicles or infrastructure, or the frequency of autonomous communication. The total risk level may be used to determine or adjust aspects of an insurance policy associated with the vehicle.


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