Abstract: A system including a computing device may receive base map information and trip request information. The base map information may include a plurality of attribute information associated with a plurality of road segments. The trip request information may include a destination to which a user plans to drive a vehicle. The computing device may determine a route for the user to travel based on the trip request information and base map information. The system might further calculate a risk score for each road segment forming the route, and generate a risk map based on the risk score and the route and cost of insurance along the route. The risk map may then be displayed to a user with alerts communicated on the map or via verbal alerts. The risk map may include markers or other objects depicting potential risks along the route the driver may face. Also, the risk map may be updated based on information collected from multiple sensors coupled to the vehicle, mobile phone or insurance database.

Abstract: A route risk mitigation system and method using real-time information to improve the safety of vehicles operating in semi-autonomous or autonomous modes. The method mitigates the risks associated with driving by assigning real-time risk values to road segments and then using those real-time risk values to select less risky travel routes, including less risky travel routes for vehicles engaged in autonomous driving over the travel routes. The route risk mitigation system may receive location information, real-time operation information, (and/or other information) and provide updated associated risk values. In an embodiment, separate risk values may be determined for vehicles engaged in autonomous driving over the road segment and vehicles engaged in manual driving over the road segment.

Abstract: A system for determining a subjective risk score may include a vehicle and/or a computing device associated with a user travelling within the vehicle. The computing device may receive input from the user when the user feels a sense of unease regarding a particular road segment upon which the vehicle is traveling. The system may further include a subjective risk analysis computing system that may be communicatively coupled to the computing device. The subjective risk analysis computing system may receive subjective risk information corresponding to the user's sense of unease regarding particular road segments and may process the subjective risk information to determine a subjective risk score for each of a plurality of road segments along a route. An insurance company may use this information to determine whether to adjust a quote or premium of an insurance policy.

Abstract: Methods, computer-readable media, software, and apparatuses provide a tool for use by drivers and/or coaches throughout the pre-license stage of obtaining a driver's license. A pre-license program may control a computing device to collect drive data while a driver is driving a vehicle. This drive data may be used to detect a drive event. Then, the computing device may present coaching information associated with the detected drive event. The coaching information may provide a passenger, such as a coach or parent, with real-time advice for instructing the driver how to improve his/her driving skills. Moreover, the drive data collected may be used to prepare reports providing feedback to the drivers and coaches.

Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing risk unit usage-based insurance policies. In some arrangements, sensor data associated with vehicle operation data, driving data, and the like, may be received and analyzed to determine a consumption rate of risk units in the risk unit usage-based insurance policy. In some examples, one or more driving behaviors may also be identified (e.g., from the sensor data, historical data, and the like). In some examples, one or more user interfaces may be generated displaying the determined consumption rate and/or driving behaviors. In some arrangements, additional information, such as one or more recommendations for improving (e.g., reducing) consumption rate may be generated and provided via the generated user interface.

Abstract: Methods, computer-readable media, systems and apparatuses for determining a safest road segment for traveling between a first location and a second location are provided. In some cases, the road segment safety rating may be determined for a plurality of road segments between the first location and the second location based on historical data associated with the road segments (e.g., accident history data, traffic volume data, etc.) and/or based on driving behavior data of the operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle can be captured and compared to the safest route. If the vehicle has traveled the safest route, the operator may earn an award. If not, the operator may be notified that an award may be earned when an indicated safest route is traveled.

Abstract: Methods, computer-readable media, systems and apparatuses for determining a road segment safety rating are provided. In some arrangements, the road segment safety rating may be based on historical data associated with the road segment (e.g., accident history data, traffic volume data, etc.). In other examples, the road segment safety rating may be based on historical data as well as driving behavior data of the operator of the vehicle. In some arrangements, the determined road segment safety rating may be compared to a threshold. If the road segment safety rating is below the threshold, the system may generate one or more alternate road segments or route for the driver to consider. In some examples, the road segment safety rating may be used to determine an insurance premium or one or more insurance incentives to provide to the user.