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, an identity of a vehicle operator may be determined and a vehicle operator profile and/or operating data regarding autonomous operation features of the vehicle may be received after the vehicle operator opts into a rewards program and agrees to share their data. Autonomous operation and vehicle operator risk levels associated with operation of the autonomous or semi-autonomous vehicle may be determined. Based upon the risk levels and/or comparison thereof, one or more autonomous operation features may be disengaged. A preparedness level of the vehicle operator to assume or reassume control of operating the vehicle is determined prior to disengagement. If satisfactory, an alert is presented to the vehicle operator prior to disengagement of the autonomous operation features.

Abstract: Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.

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 operating an autonomous or semi-autonomous vehicle may be provided. With a vehicle owner's permission, a vehicle operator identity may be determined; and operating data regarding the autonomous or semi-autonomous vehicle may be received from one or more vehicle-mounted sensors. Based upon the received operating data, (i) autonomous operation risk levels associated with autonomous vehicle operation; and (ii) operator risk levels associated with autonomous vehicle operation by the vehicle operator may be determined. Based upon a comparison of the autonomous operation versus vehicle operator risk levels, the autonomous features may be engaged if it is safer for the vehicle to travel autonomously.

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: A computer-implemented method for operating an autonomous or semi-autonomous vehicle may include identifying a vehicle operator and retrieving an associated vehicle operator profile. Operating data regarding operation of the autonomous or semi-autonomous vehicle may be received that includes data from sensors disposed within the vehicle. When a request to enable an autonomous operation feature is received, (i) autonomous operation risk levels associated with vehicle operation by the autonomous operation feature based upon the received operating data, and (ii) operator risk levels associated with vehicle operation by the vehicle operator based upon the vehicle operator profile are determined. Autonomous operation feature enablement may be allowed based upon a comparison of (i) autonomous operation risk levels with (ii) operator risk levels.

Abstract: Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.

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: Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.

Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication. The plurality of devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may detect an insurance-related event and may retrieve sensor data and pricing information from one or more of the devices. The central controller may assess damage to the devices and may generate a proposed insurance claim based upon damage to the identified devices. Additionally, the central controller may facilitate a processing of the proposed insurance claim with a customer and an insurance provider. The smart devices may be, or be attached to, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.

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, it may be detected by sensors that an occupant of the autonomous or semi-autonomous vehicle is experiencing a medical emergency. A nearby medical facility may be determined based upon the vehicle location and the detected medical emergency. A route from the current vehicle location to the medical facility may be determined, and the autonomous or semi-autonomous vehicle may be automatically directed or routed to the medical facility. A message may also be generated and transmitted to the medical facility to alert them that a person in need of timely medical assistance is on the way. Life and auto insurance discounts may be generated for risk averse customers based upon their vehicles having the emergency response functionality.

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. In certain aspects, with the customer's permission, a computer-implemented method for updating an autonomous operation feature may be provided. An indication of a software update associated with the autonomous operation feature may be received, and several autonomous or semi-autonomous vehicles having the feature may be identified. The update may be installed within the several vehicles, such as via wireless communication. Also, a change in a risk level associated with the update to the autonomous operation feature may be determined, and an insurance discount may be determined or adjusted.

Abstract: A computer-implemented method of enhancing safe vehicle operation may include, one or more processors, (1) determining a preferred parking spot for an autonomous or semi-autonomous vehicle; (2) determining a route to the preferred parking spot from a driver drop off point; and (3) causing the autonomous or semi-autonomous vehicle to travel from the driver drop off point to the preferred parking spot following the route controlled by one or more autonomous operation features. The preferred parking spot may be a covered parking spot, a parking spot in a parking structure, or a parking spot in a residential garage. An autonomous vehicle owner may remotely direct the autonomous vehicle to autonomously return to the driver drop off point, such as via their mobile device. Insurance discounts may be provided to autonomous vehicle owners having the self-parking functionality that mitigates or prevents risk of damage to, or theft of, the vehicle.

Abstract: Methods and systems for determining a cause of loss to a property for damage associated with an insurance-related event based upon data received from a second property. A smart home (or other building) controller and/or an insurance provider remote processor may generate a time sequence of events for damage associated with an insure-related event. The smart home controller or remote processor may also receive a time-sequence of events generated by a smart home controller associated with a second property. The smart home controller or remote processor may compare the two time-sequences of events to determine causes of loss associated with damage to the property. The compared data may be further used to assign a portion of the overall damage to each cause of loss. Subsequently, the smart home controller or remote processor may automatically generate an insurance claim for damage to the property associated with the insurance-related event.