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 method, comprising:
receiving, from a first processor in communication with a location detection unit located in a vehicle, a travel route of the vehicle; retrieving, by a second processor in communication over at least a wireless network with the first processor, a segment value for each of a plurality of road segments corresponding to the travel route of the vehicle, wherein each segment value is based at least on accident information corresponding to each of the plurality of road segments, wherein the accident information comprises accident loss information and direction of travel at accident location; aggregating segment values, by the second processor, to calculate a route value for the travel route of the vehicle; and sending, by the second processor over the at least a wireless network to the first processor located in the vehicle, the route value for the travel route of the vehicle.