METHOD TO MEASURE INSURABILITY BASED ON RELATIVE OPERATOR PERFORMANCE

Abstract: a system for measuring insurability based on relative vehicle operator performance (mirop) includes sensors capturing host and remote vehicle information, and information about an environment of the host and remote vehicles. a controller executes a mirop application that identifies event information within data obtained from the sensors, transmits, the event information to a cloud computing server, assesses a physical location and proximity of the host vehicle to remote vehicles participating in the system. the mirop application assesses a road surface condition of a road segment upon which the host vehicle is traveling, estimates a traffic density on the road segment, aggregates host vehicle behavioral data and identifies event ids within the behavioral data. the mirop application computes a vehicle operator insurability score and automatically notifies an insurance carrier of the score as well as automatically presenting the score and suggestions to improve the score to a host vehicle operator.

Inventor(s): Donald K. Grimm, Fan Bai, Omer Tsimhoni, Jingyan Wan, Andrew Rose

CPC Classification: G06Q40/08 (Insurance)

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