Systems and methods for real-time driving risk prediction and route recommendation

摘要

A system, method, and computer-usable medium are disclosed for providing routing-based insurance. A telematics device exchanges information related to a user's traversal of a route with a routing-based insurance system. The telematics device determines the current location and destination of the user, which it provides to the routing-based insurance system, for processing to determine available route segments between the two locations. A set of risk score data is generated for each of the available route segments, which in turn is used to generate a set of risk score differential data. Route advisement data, comprising routing instructions and the set of risk score differential data for the route segment, is generated and provided to the telematics device. A route segment is selected by the user and then traversed. The set of risk score differential data associated with the traversed route segment is determined and associated with the user's insurance policy. Insurance policy price data, corresponding to the traversed route segment, is generated and in turn is processed to generate insurance policy adjustment data. The insurance policy price adjustment data is then processed to modify pricing data associated with the user's insurance policy.

主权项

1. A non-transitory computer-usable medium embodying computer program code, which when executed by a computer, causes the computer to perform a process of using risk factor data related to a route between a first location and a second location to generate insurance policy price data, the process comprising:
using a route assessment module to generate risk score data for the route through utilization of the risk factor data; using a route tracking module to verify that the route has been traversed in response to the second location being reached; and using an insurance policy pricing module to generate insurance policy price data in response to verification of traversal of the route.