Systems and methods for insurance based upon status of vehicle software

摘要

A vehicle may be configured to determine a characteristic of a software program operating on the vehicle. The characteristic may be provided to an insurer, and the insurer may determine a property of an insurance policy based on the characteristic. The characteristic may be, for example, a feature, a setting, and/or a version of the software program. The insurer may indicate to a vehicle operator and/or owner how changing the characteristic may affect the property of the insurance policy. The insurance policy may be formalized and agreed to by the insurer and/or the insured. The vehicle may also or instead save pre-collision status data, such adjustable parameters, internal variables, dynamic decisions, and/or identification of a software program, when a collision is detected. The pre-collision status data may be used to diagnose problems with the software program, determine fault, and/or determine future properties of insurance policies.

主权项

1. A method comprising:
continuously or periodically capturing status data from at least one sensor associated with a collision avoidance system of a ground vehicle, wherein the collision avoidance system comprises a computer system configured to execute a collision avoidance software program; detecting a collision involving the ground vehicle; saving, on a computer-readable storage medium, pre-collision status data from the collision avoidance software program, the pre-collision status data comprising data about one or more adjustable parameters of the collision avoidance software program associated with the ground vehicle; and adjusting at least one of the one or more adjustable parameters of the collision avoidance software program utilizing the saved pre-collision status data from the collision avoidance software program to avoid a subsequent collision; implementing a collision avoidance decision based at least in part on the adjusted parameters to avoid the subsequent collision, the collision avoidance decision comprises at least one of a dynamic braking decision and a dynamic steering decision for the ground vehicle.