Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle, and/or by a mobile electronic device of the driver or a passenger, is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The received telematics data is analyzed to identify driving behaviors of the driver during the time period(s). Based at least upon the driving behaviors, a driver profile is generated or modified. Based at least upon the generated or modified driver profile, a suggested vehicle type is identified, at least by determining that the profile meets a set of one or more matching criteria associated with the suggested vehicle type. An indication of the suggested vehicle type is displayed to a user.

Abstract: Systems and methods are described for provisioning physical residences to and from users of a residential provisioning platform. The residential provisioning platform assigns a platform unit value to each of a plurality of physical residences. A residence provisioning app is provided to a user for implementation on the user's device and for displaying selections corresponding to the plurality of physical residences. The residential provisioning platform may include a residence tracking app that receives a user selection from the residence provisioning app corresponding to a particular physical residence, updates a particular residence dossier of the particular physical residence to assign the particular physical residence to the user, and updates a residence profile of the user to indicate a remaining platform unit value of the particular physical residence attributable to the user.

Abstract: Systems and methods are described for provisioning physical residences to and from users of a residential provisioning platform. The residential provisioning platform assigns a platform unit value to each of a plurality of physical residences. A residence provisioning app is provided to a user for implementation on the user's device and for displaying selections corresponding to the plurality of physical residences. The residential provisioning platform may include a residence tracking app that receives a user selection from the residence provisioning app corresponding to a particular physical residence, updates a particular residence dossier of the particular physical residence to assign the particular physical residence to the user, and updates a residence profile of the user to indicate a remaining platform unit value of the particular physical residence attributable to the user.

Abstract: An alert may be triggered to notify a pedestrian of the current operational mode of a nearby vehicle. For instance, a vehicle may operate in an autonomous or manual mode, and may occasionally switch from one mode to the other. A pedestrian who may be unaware of the current operational mode of a nearby vehicle may notice the alert and proceed accordingly. In one embodiment, an indication of the current operational mode of the nearby vehicle may be transmitted to an electronic device associated with the pedestrian. The device may generate a notification to the pedestrian based on the current operational mode. In an additional or alternative embodiment, the alert may be transmitted by the vehicle externally to be visible or audible to the pedestrian. In some embodiments, the alert may be triggered only for particular operational modes (e.g., only for autonomous or only for manual).

Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle and/or a mobile device is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The telematics data is analyzed to identify one or more driving behaviors of the driver. Based upon the one or more of driving behaviors, a driver profile is generated or modified. A suggested vehicle component type matching the generated or modified driver profile is identified, at least by determining that the generated or modified driver profile meets a set of one or more matching criteria associated with the suggested vehicle component type. An indication of the suggested vehicle component type is displayed to a user.

Abstract: Systems and methods are described for determining an average travel environment associated with a vehicle and for generating a related risk profile. In various aspects telematics data may be received via wireless communication over one or more radio links from a computing device traveling with a vehicle. An average travel environment, that can account for an average amount of pedestrian traffic or an average amount of vehicle traffic that the vehicle typically travels in, may be determined from processor analysis of the telematics data. The average travel environment may be used to generate a risk profile. An auto insurance policy option may be generated based upon the risk profile auto and transmitted via wireless communication to the computing device to facilitate an insured's review and approval of the auto insurance policy option that is provided based upon a risk associated with the average travel environment.

Abstract: Systems and methods are described for generating a blockchain-based user profile. In various aspects, one or more blockchain IDs associated with a user is received, where each blockchain ID is associated with a corresponding blockchain. One or more blockchain transactions are identified that are associated with the one or more blockchain IDs, where a trust profile for the user can be generated based on the one or more blockchain transactions. The trust profile can include user information determined from the one or more blockchain transactions.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, with the customer's permission, a vehicle operator in an autonomous or semi-autonomous vehicle may be determined by a sensor disposed within the autonomous or semi-autonomous vehicle or a mobile computing device associated with the vehicle operator. A determination may be made as to whether the vehicle operator is authorized to operate the vehicle based upon the determined identity of the vehicle operator; and if the vehicle operator is not authorized, an alert may be generated and/or the vehicle may be caused to not operate. Alternatively, autonomous operation features may be automatically engaged to automatically drive the autonomous or semi-autonomous vehicle to a safe location when the operator is not authorized. Insurance discounts may be provided based upon the anti-theft functionality.

Abstract: In a computer-implemented method, telematics data collected during one or more time periods by one or more electronic subsystems of a vehicle, and/or by a mobile electronic device of the driver or a passenger, is received. The telematics data includes operational data indicative of how a driver of the vehicle operated the vehicle. The received telematics data is analyzed to identify one or more driving behaviors of the driver during the time period(s). Based at least upon the driving behavior(s), a driver profile is generated or modified. Based at least upon the generated or modified driver profile, a suggested vehicle type is identified, at least by determining that the profile meets a set of one or more matching criteria associated with the suggested vehicle type. An indication of the suggested vehicle type is displayed to a user.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for responding to damage to an autonomous or semi-autonomous vehicle relating to a collision or other loss may be provided. With the customer's permission, an indication of damage to the autonomous or semi-autonomous vehicle, and/or operating data regarding operation of the vehicle during (i) a time period without the damage to the autonomous or semi-autonomous vehicle, and (ii) a time period with the damage to the autonomous or semi-autonomous vehicle may be received. Repairs associated with the damage may be determined based upon the operating data, as well as an expected cost associated with the repairs. Insurance discounts may be provided to risk averse customers that timely repair damaged vehicles or features that impact vehicle safety.

Abstract: Methods and systems are disclosed for providing vehicular driver alerts. In various aspects a vehicle operating environment may be monitored by one or more sensors associated with a first vehicle operating within the vehicle operating environment. The first vehicle may be determined to be in proximity to a second vehicle based upon sensor data obtained from the one or more sensors. An identifier associated with the second vehicle may be determined based upon the sensor data and the identifier may be used to receive evaluation data associated with the second vehicle. The evaluation data may indicate a quality level associated with operation of the second vehicle. Based upon the evaluation data, it may be determined that the second vehicle is associated with a heightened risk of a vehicle accident. A warning regarding the heighted risk may be generated and presented, by an output device, to a vehicle operator of the first vehicle.

Abstract: Systems and methods are disclosed for annotating and visualizing a damage scene. In various aspects, one or more immersive multimedia images are generated and associated with a damage scene. The immersive multimedia image(s) may be augmented with annotation(s) to create annotated immersive multimedia image(s). The annotated immersive multimedia image(s) may be visualized using a using a virtual reality (VR) device, where the damage scene and the annotation(s) of the annotated immersive multimedia image(s) can be viewed via the VR device.

Abstract: A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

Abstract: Systems and methods for monitoring the use of a shared vehicle are described. In various aspects, telematics data regarding operation of a shared vehicle is collected from one or more sensors, where the shared vehicle is associated with a shared vehicle operator and a shared vehicle stakeholder. One or more processors determine whether a driving event has occurred based upon the telematics data, where the driving event is indicative of improper usage of the shared vehicle by the shared vehicle operator. The one or more processors generate a notification regarding the driving event. The notification includes a driver rating determined from the telematics data regarding operation of the shared vehicle by the shared vehicle operator. The notification is transmitted, via a network, to the shared vehicle stakeholder for presentation to the shared vehicle stakeholder.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for real-time determination of the status of autonomous operation features of an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, the operation of the autonomous or semi-autonomous vehicle may be monitored to obtain operating data from one or more autonomous operation features. An operating status of the autonomous features may be determined based upon the operating data. After which, a change in the operating status of the autonomous features may be identified, and a report containing information regarding the change in the operating status of the autonomous features may be generated.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, with the insurance customer's permission, operation of an autonomous (or semi-autonomous vehicle) by a vehicle operator may be monitored. Based upon vehicle and/or other data analysis, an identity of the operator may be determined, and operating data regarding the autonomous or semi-autonomous vehicle while the operator at least partially controls the autonomous vehicle may be monitored. A vehicle operator profile that includes information regarding an operating style of the vehicle operator based upon the operating data may be determined. Risk levels associated with operation of the autonomous vehicle based upon the information regarding the vehicle operator's operating style may be determined.

Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.

Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.

Abstract: Vehicles may have the capability to navigate according to various levels of autonomous capabilities, the vehicle having a different set of autonomous competencies at each level. In certain situations, the vehicle may shift from one level of autonomous capability to another. The shift may require more or less driving responsibility from a human operator. Sensors inside the vehicle collect human operator parameters to determine an alertness level of the human operator. An alertness level is determined based on the human operator parameters and other data including historical data or human operator-specific data. Notifications are presented to the user based on the determined alertness level that are more or less intrusive based on the alertness level of the human operator and on the urgency of an impending change to autonomous capabilities. Notifications may be tailored to specific human operators based on human operator preference and historical performance.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, the operating status of the features, the identity of a vehicle operator, risk levels for operation of the vehicle by the vehicle operator, or damage to the vehicle may be determined based upon sensor or other data. According to further aspects, decisions regarding transferring control between the features and the vehicle operator may be made based upon sensor data and information regarding the vehicle operator. Additional aspects may recommend or install updates to the autonomous operation features based upon determined risk levels. Some aspects may include monitoring transportation infrastructure and communicating information about the infrastructure to vehicles.