System and method for determining and monitoring auto insurance incentives

摘要

A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

主权项

1. A computer-implemented method for providing disincentives to an insured customer during the term of an insurance policy, the method comprising:
receiving, via a computer network, sensor data from at least one sensor, the sensor data (i) including data that measures a set of characteristics of an operating insured vehicle, and (ii) sent by the at least one sensor in real time during operation of the operating insured vehicle; accessing vehicle conditions data including data related to an environment at a particular location; once the sensor data is received from the at least one sensor:
determining, based on the vehicle conditions data, that the operating insured vehicle is operating at the particular location, anddetermining, based on the vehicle conditions data and the sensor data, that the insured customer is engaging in risk-increasing behavior; calculating a risk score for the insured customer, the risk score based on the risk-increasing behavior engaged in by the insured customer; determining, by a processor, a disincentive action to execute for the insured customer based on the risk score; and executing, by the processor, the disincentive action.