Online system for training novice drivers and rating insurance products

摘要

a system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, the system comprising: an Internet device that presents to an Internet user a visual presentation of a continuous drive through a driving environment comprising at least two hazard modules, wherein each hazard module presents to the Internet user at least one driving scenario that comprises at least one hazard; an Internet device that records user viewing locations within the visual presentation, the user viewing locations corresponding to locations within the visual presentation that are viewed by the user during the visual presentation of the continuous drive; a computer analytics device comprising an algorithm that compares the recorded user viewing locations with defined locations of hazards within the visual presentation of the continuous drive, and determines a hazard detection proficiency of the user based at least on the comparison; a computer memory device comprising at least one minimum hazard detection proficiency criteria corresponding to an insurance discount; and a computer analytics device that compares the determined hazard detection proficiency of the user with the minimum hazard detection proficiency criteria and determines whether to award the insurance discount to the user.

主权项

1. A method for training vehicle drivers to detect hazards and calculating insurance rates or discounts, the method comprising:
presenting to a user on a display device of an internet-connected device, by a processor of the internet-connected device, a visual presentation of a continuous drive through a driving environment comprising a hazard module that (a) presents to the user at least one driving scenario that comprises at least one hazard, and (b) defines, for particular driving situations occurring in the at least one driving scenario, one or more anticipatory viewing locations corresponding to each particular driving situation, the anticipatory viewing locations relating to hazards that are not currently displayed by the display device; recording, by the processor of the internet-connected device, user viewing locations within the visual presentation, the user viewing locations corresponding to locations within the visual presentation that are viewed by the user during the visual presentation of the continuous drive; evaluating, by the processor of the internet-connected device, the recorded user viewing locations to analyze user anticipation of hazards that are not currently displayed by the display device, including comparing user viewing locations recorded during the visual presentation of each particular driving situation with the one or more predefined anticipatory viewing locations corresponding to that driving situation; providing a summary to the user, the summary including a playback format identifying hazards that were not recognized by the user during the visual presentation and an optional audio voiceover providing hazard anticipation advice; determining, by the processor of the internet-connected device, a hazard detection proficiency of the user based at least on the analysis of user anticipation of not currently-displayed hazards; displaying to the user on the display device of the internet-connected device via the driver training application the determined hazard detection proficiency of the user; comparing the determined hazard detection proficiency of the user to at least one minimum hazard detection proficiency criterion corresponding to an insurance discount; using GPS and accelerometers associated with the internet-connected device to document the locations and driving conditions of actual drives; comparing the determined hazard detection proficiency of the user to data sensed during actual drives; using the result of the comparison of the determined hazard detection proficiency and the data sensed during actual drives to improve the proficiency of the hazard module; and determining an available insurance premium discount based at least in part on (a) the comparison of the proficiency of the user to the proficiency criterion and (b) the comparison of the determined hazard detection proficiency to the sensed data.