18627143. AUTONOMOUS VEHICLE CONTROL ASSESSMENT AND SELECTION simplified abstract (STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY)

AUTONOMOUS VEHICLE CONTROL ASSESSMENT AND SELECTION

Organization Name

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor(s)

Brian Mark Fields of Normal IL (US)

Chien Che Huang of Normal IL (US)

Mohamed A. Wazeer of Normal IL (US)

Shawn C. Bennett of Le Roy IL (US)

Steven C. Cielocha of Bloomington IL (US)

Ronny S. Bryant of Bloomington IL (US)

Stephen Kohaus of Bloomington IL (US)

Terry Quakenbush of Normal IL (US)

Richard A. Novak of Bloomington IL (US)

Aaron Scott Chan of Lisle IL (US)

Craig M. Main of Hagerstown MD (US)

Weixin Wu of Aurora IL (US)

Torri Wollenschlager of Bloomington IL (US)

Carol Marie Csanda of Normal IL (US)

Stacey Gorsuch of Bloomington IL (US)

Todd Binion of Bloomington IL (US)

AUTONOMOUS VEHICLE CONTROL ASSESSMENT AND SELECTION - A simplified explanation of the abstract

This abstract first appeared for US patent application 18627143 titled 'AUTONOMOUS VEHICLE CONTROL ASSESSMENT AND SELECTION

• • Simplified Explanation:**

This patent application discusses methods and systems for monitoring, determining risk, and pricing insurance policies for vehicles with autonomous or semi-autonomous features. It involves determining the identity of the vehicle operator, receiving data on autonomous operation features, assessing risk levels, and potentially disengaging certain features based on risk levels.

• • Key Features and Innovation:**

- Monitoring and assessing risk levels of autonomous or semi-autonomous vehicles - Determining the identity of the vehicle operator - Receiving data on autonomous operation features - Disengaging features based on risk levels - Assessing the preparedness of the vehicle operator to assume control

• • Potential Applications:**

- Insurance industry for pricing policies based on risk levels - Automotive industry for improving safety and control of autonomous vehicles

• • Problems Solved:**

- Enhancing safety and control of autonomous vehicles - Providing personalized insurance pricing based on risk levels

• • Benefits:**

- Improved safety for autonomous vehicle operation - Personalized insurance pricing for vehicle operators - Enhanced control and preparedness for vehicle operators

• • Commercial Applications:**

Potential commercial applications include insurance companies using this technology to offer personalized insurance policies for autonomous vehicle owners, and automotive manufacturers incorporating these systems to enhance safety features in their vehicles.

• • Questions about Autonomous Vehicle Insurance:**

1. How does this technology improve the safety of autonomous vehicles?

  - This technology enhances safety by monitoring risk levels and disengaging features based on operator preparedness.

2. What are the potential implications of personalized insurance pricing for autonomous vehicles?

  - Personalized insurance pricing can incentivize safe driving behavior and help insurance companies better assess risk levels.

Original Abstract Submitted

Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, an identity of a vehicle operator may be determined and a vehicle operator profile and/or operating data regarding autonomous operation features of the vehicle may be received after the vehicle operator opts into a rewards program and agrees to share their data. Autonomous operation and vehicle operator risk levels associated with operation of the autonomous or semi-autonomous vehicle may be determined. Based upon the risk levels and/or comparison thereof, one or more autonomous operation features may he disengaged. A preparedness level of the vehicle operator to assume or reassume control of operating the vehicle is determined prior to disengagement. If satisfactory, an alert is presented to the vehicle operator prior to disengagement of the autonomous operation features.