Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous (and/or semi-autonomous) operation features and paying claims associated with such accidents are provided. According to certain aspects, operating data from sensors within or near the vehicle may be used to determine the occurrence of a vehicle accident, such as a collision. The operating data may further be used to determine an allocation of fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to further determine and make claims payments related to the accident. In some embodiments, claims may be rejected based upon the operating data and determined allocation of fault.

Abstract: A computer implemented method for determining a primary movement window from a vehicle trip is presented. A client computing device may be placed in a vehicle, be free to move with respect to movement of the vehicle, and include an accelerometer. A computer network may receive a plurality of telematics data originating from the client computing device. One or more processors may summarize the plurality of telematics data at a specified sample rate, convert the plurality of telematics data from a time domain to a spectral domain, select one or more data points from the converted telematics data, and determine that a total spectral power of the selected data points meets a threshold value. The one or more processors may identify a first primary movement window including the selected data points if the total spectral power of the selected data points does not meet the threshold value.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: A system and method are provided for controlling an interior configuration of a vehicle. The system may include an interior vehicle component, an actuator component configured to adjust a physical configuration of the interior vehicle component, an external communication component configured to collect driving environment data representing an external environment of the vehicle, and one or more processors configured to receive driving environment data and detect, by processing the driving environment data, an external driving condition. When the one or more processors detect the external driving condition, the one or more processors may cause the actuator component to adjust the interior vehicle component from a first physical configuration to a second physical configuration, or may cause the actuator component to restrict movement of the interior vehicle component to a predetermined range of physical configurations.

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicle and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the condition of components for salvage following a collision or other loss-event. To this end, the information regarding a plurality of components may be received. A component of the plurality of components may be identified for assessment. Assessment may including causing test signals to be sent to the identified component. In response to the test signal, one or more responses may be received. The received response may be compared to an expected response to determine whether the identified component is salvageable.

Abstract: Methods and systems for determining fault for an accident involving a vehicle having one or more autonomous and/or semi-autonomous operation features are provided. According to certain aspects, performance data indicative of the performance of the features may be used to determine fault for a vehicle accident, such as a collision, by allocating fault for the accident between a vehicle operator, the autonomous operation features, or a third party. The allocation of fault may be used to determine an adjustment to an insurance policy and/or adjust coverage levels for an insurance policy. The allocation of fault may further be used to adjust risk levels or profiles associated with the autonomous or semi-autonomous operation features, which may be applied to other vehicles having the same or similar features.

Abstract: Computer-implemented methods, servers, and tangible, non-transitory computer-readable media storing instructions for creating one or more new insurance policy quotes for a customer associated with a customer vehicle may be may be described. The computer-implemented methods, servers, and instructions may include receiving a coverage type for the customer vehicle, causing usage data corresponding to the coverage type to be tracked, receiving the usage data, generating the new insurance policy quotes corresponding to the coverage type based upon at least the usage data, and causing the new insurance policy quotes to be displayed.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: Systems and methods are provided for dynamically protecting transportable articles in vehicles. A system for dynamically protecting a transportable article in a vehicle may include one or more processors and non-volatile memory storing instructions. The instructions, when executed by the one or more processors, cause the system to access sensed data representative of at least one of a characteristic or a trait of a transportable article in a vehicle, determine based on the data the at least one of the characteristic or the trait of the transportable article, select one or more article protection components based on the determined at least one of the characteristic or the trait of the transportable article, and deploy the selected one or more article protection components to protect the transportable article.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, a virtual log of data regarding performance of the features in a virtual test environment may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include evasive maneuvers performed by the vehicle under the control of the features. The performance data in the virtual log may be used to determine risk levels associated with vehicle operation by the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: Methods and systems for assessing, detecting, and responding to malfunctions involving components of autonomous vehicle and/or smart homes are described herein. Autonomous operation features and related components can be assessed using direct or indirect data regarding operation. Such assessment may be performed to determine the condition of components for salvage following a collision or other loss-event. To this end, the information regarding a plurality of components may be received. A component of the plurality of components may be identified for assessment. Assessment may including causing test signals to be sent to the identified component. In response to the test signal, one or more responses may be received. The received response may be compared to an expected response to determine whether the identified component is salvageable.

Abstract: Methods and systems for determining risk associated with operation of fully autonomous vehicles are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including types and version of sensors, control systems, and software. This information may be used to determine a risk profile reflecting risk levels for a plurality of features, which may be based upon test data regarding the features or actual loss data. Expected use levels may further be determined and used with the risk profile to determine a total risk level associated with operation of the vehicle by the autonomous operation features. The expected use levels may indicate expected vehicle use, as well as traffic, weather, or other conditions in which the vehicle is likely to operate. The total risk level may be used to determine or adjust aspects of an insurance policy associated with the vehicle.

Abstract: Systems and methods for situational modification of autonomous vehicle operation are disclosed. According to aspects, a computing device may detect the occurrence of an emergency event and may determine a current operation of an autonomous vehicle that may be associated with the emergency event. The computing device may determine a modification to operation of the autonomous vehicle, where the modification may represent a violation of a roadway regulation that may enable effective handling of the emergency event. The computing device may generate a set of instructions for the autonomous vehicle to execute to cause the autonomous vehicle to undertake the operation modification.

Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, operating data may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include actions the feature would have taken to control the vehicle, but which were not taken because a vehicle operator was controlling the relevant aspect of vehicle operation at the time. The operating data may be recorded in a log, which may then be used to determine risk levels associated with vehicle operation based upon risk levels associated with the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: A system and method are provided for controlling an interior configuration of a vehicle. The system may include an interior vehicle component, an actuator component configured to adjust a physical configuration of the interior vehicle component, a vehicle operation controller configured to generate vehicle operation data representing the operation of the vehicle, and one or more processors configured to receive vehicle operation data and detect, by processing the vehicle operation data, a specific action taken by the vehicle. When the one or more processors detect a specific action taken by the vehicle, the one or more processors may cause the actuator component to restrict movement of the interior vehicle component to a predetermined range of physical configurations.

Abstract: Apparatuses, systems and methods are provided for generating a vehicle driver signature. More particularly, apparatuses, systems and methods are provided for generating a vehicle driver signature based on vehicle interior image data and vehicle dynamics data. The vehicle interior image data may be representative of an identification of a particular individual. The vehicle dynamics data may be representative of a particular driving style, or driving behavior, associated with a particular individual.

Abstract: Methods and systems for determining risk associated with operation of fully autonomous vehicles are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, including types and version of sensors, control systems, and software. This information may be used to determine a risk profile reflecting risk levels for a plurality of features, which may be based upon test data regarding the features or actual loss data. Expected use levels may further be determined and used with the risk profile to determine a total risk level associated with operation of the vehicle by the autonomous operation features. The expected use levels may indicate expected vehicle use, as well as traffic, weather, or other conditions in which the vehicle is likely to operate. The total risk level may be used to determine or adjust aspects of an insurance policy associated with the vehicle.

Abstract: Methods and systems for communicating between autonomous vehicles are described herein. Such communication may be performed for signaling, collision avoidance, path coordination, and/or autonomous control. A first autonomous vehicle may receive a communication from a second autonomous vehicle travelling on the same road as the first autonomous vehicle, where the communication includes an indication of a maneuver which will be performed by the second autonomous vehicle. The first autonomous vehicle may then analyze the communication to identify a first maneuver for the first autonomous vehicle in response to the second maneuver performed by the second autonomous vehicle. Thus, the first autonomous vehicle may move in accordance with the first maneuver.

Abstract: Methods and systems for evaluating the effectiveness of autonomous operation features of autonomous vehicles using an accident risk model are provided. According to certain aspects, an accident risk model may be determined using effectiveness information regarding autonomous operation features associated with a vehicle. The effectiveness information may indicate a likelihood of an accident for the vehicle and may include test data or actual loss data. Determining the likelihood of an accident may include determining risk factors for the features related to the ability of the features to make control decisions that successfully avoid accidents. The accident risk model may further include information regarding effectiveness of the features relative to location or operating conditions, as well as types and severity of accidents. The accident risk model may further be used to determine or adjust aspects of an insurance policy associated with an autonomous vehicle.