Route Risk Mitigation

摘要

A method is disclosed for mitigating the risks associated with driving by assigning risk values to road segments and using those risk values to select less risky travel routes. Various approaches to helping users mitigate risk are presented. A computing device is configured to generate a database of risk values. That device may receive accident information, geographic information, vehicle information, and other information from one or more data sources and calculate a risk value for the associated road segment. Subsequently, the computing device may provide the associated risk value to other devices. Furthermore, a personal navigation device may receive travel route information and use that information to retrieve risk values for the road segments in the travel route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy. This and other aspects relating to using geographically encoded information to promote and reward risk mitigation are disclosed.

主权项

1. A system comprising:
a vehicle; a location detection unit, located in the vehicle, configured to detect locations of the vehicle comprising at least a first location and a second location; a computer processor in communication with the location detection unit; a display device in communication with the computer processor; and a computer memory storing instructions that, when executed by the processor, cause the system to:
calculate a safety risk score for each of a plurality of routes of the vehicle between the first location and the second location, wherein calculating the safety risk score of the route of the vehicle comprises using direction of the vehicle through a segment of the route as a factor in calculating the safety risk score;associate a color of a plurality of colors to each of the plurality of routes of the vehicle between the first location and the second location, wherein each color of the plurality of colors is associated with a different safety risk score; anddisplay, on the display device, at least one of the plurality of routes using the color associated with the calculated safety risk score corresponding to the at least one displayed route.