Abstract: A computer system for processing data relating to injury claims to determine suitability for subrogation includes one or more data storage devices storing structured and unstructured data relating to insurance claims, a processor configured to access the one or more data storage devices to select claims for review, apply a text mining tool to extract data from the unstructured data associated with the selected claims, and apply a predictive model to the unstructured data and structured data associated with the selected claims to identify a likelihood of suitability for subrogation of each of the selected claims.

Abstract: In one example, a computer-implemented method of generating a weather product is disclosed that comprises receiving a product generation input, the product generation input being indicative of a weather product. The method further comprises retrieving a weather data point, based on the product generation input. Further, the method comprises analyzing the weather data point with a weather analysis component to identify weather parameters relevant to the weather product. In addition, the method comprises generating the weather product to include the identified relevant weather parameters.

Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device, extracting one or more features from the image, based on the extracted features and using a machine learning algorithm, identifying one or more attributes of the vehicle, based on the identified attributes of the vehicle, determining a make and a model of the vehicle, obtaining comparison information based at least in part on the determined make and model, estimating a quote for the vehicle based on the comparison information; and transmitting the estimated quote for display on the client device.

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 and/or configuration of autonomous operation features of an autonomous or semi-autonomous vehicle may be determined, such as via an on-board computer system or mobile device, and/or then directly or indirectly wirelessly communicated via data transmission from the vehicle computer system or mobile device to a remote server. An adjustment to one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle may also be determined, and an auto insurance policy, premium, or discount may be adjusted based upon the adjustment to the risk levels and presented to the customer for their review and approval. As a result, insurance cost savings may be passed onto risk averse customers that opt into to a rewards program.

Abstract: A method for assessing a safety of a user of an application executing on a mobile device, including collecting a location data, a motion data, and a location data source from the application; transmitting, at a time, the location data, the motion data, and the location data source to a server; obtaining, from the server, a normal behavior data associated with the user; determining an abnormality score; determining a confidence score; determining a threat score; determining a threat type; calculating a safety score for the user; determining that the safety score is less than a safety score threshold; and transmitting a message to the mobile device of the user requesting a reply.

Abstract: Electronic display systems, including roadside display devices, vehicle-based devices, personal mobile devices, intermediary servers, advertising servers and/or networks, and/or additional external data sources may operate individually or in combination to identify one or more vehicle locations, driving routes, driver and passenger characteristics, driving behavior and patterns, telematics data, and the like. Vehicle and individual characteristics and/or telematics data may be determined based on data received from traffic cameras, vehicle-based devices, personal mobile devices, telematics devices, and/or other data sources, including software applications.

Abstract: A technique of configuring insurance policy rate routines includes accessing information representing an insurance product or information representing an insurance policy transaction. It further includes receiving a user input from a user indicating that a rate routine operand is to map to a portion of the information representing the insurance product or a portion of the information representing the insurance policy transaction. It further includes processing the information representing the insurance product or the information representing the insurance policy transaction to obtain one or more appropriate configuration options for the rate routine operand, based at least in part on a context of the rate routine operand. It further includes presenting the one or more appropriate configuration options to the user.

Abstract: Apparatuses, systems and methods are provided for determining vehicle driver distractions. More particularly, apparatuses, systems and methods are provided for determining distracted drivers associated with vehicle driving routes based on postures of vehicle occupants.

Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.

Abstract: A plan authoring tool can receive user input describing parameters of benefits of a benefit plan. The plan authoring tool can convert the user input into a machine structured plan description (MSPD) that defines the benefit plan. The MSPD can be used by a plan documentation generator to generate one or more plan documents that explain the benefits and/or indicate how to manually adjudicate claims submitted in association with the benefit plan. The MSPD can also be used to automatically adjudicate claims. Plan analysis tools can be used to evaluate an MSPD to validate a new or edited benefit plan and/or provide user feedback on the benefit plan so that users, if desired, can revise the MSPD via the plan authoring tool.

Abstract: In an illustrative embodiment, an automated system provides for generating product recommendations for clients. The system may include computing systems and devices for receiving a client intake information with product preferences, member demographic information, and current product information, and in response, generating product offerings including at least a portion representing variations of the current product. The member demographic information may be consolidated into census divisions that are each associated with a category of the member demographic information, and probabilities of selecting the product offerings may be calculated for each of the census divisions. The product offerings may be presented in a user interface with optimization scores that are a function of the probability of selecting the product offerings as well as provider financial goals, employee perception goals, and market competitiveness goals.

Abstract: The present disclosure generally relates to generating emergency vehicle warnings, alternate vehicle routing recommendations and/or insurance-related data based upon emergency vehicle warning data. More particularly, the present disclosure relates to generating data representative of emergency vehicle warnings and/or alternate routing based upon real-time information related to an emergency vehicle. The information related to the emergency vehicle may include emergency vehicle origination location data, emergency vehicle current location data, emergency vehicle route data, and/or emergency vehicle destination location data. An emergency vehicle warning and/or alternate vehicle routing for non-emergency response vehicles may be generated based further on information related to a non-emergency vehicle. In one aspect, an emergency vehicle may wirelessly communicate with the non-emergency vehicle and/or an insurance provider remote server.

Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.

Abstract: Some aspects are directed to data reconciliation frameworks. An example framework is configured to receive core data, the system model comprising a plurality of data records associated with at least two assets, receive a system model, the system model comprising context data indicating, execute a configuration operation of a data validation process based on the system model, execute the data validation process to identify at least one inconsistent or incomplete record among the plurality of data records, determine at least one data reconciliation technique from a plurality of data reconciliation techniques based on the system model, and apply the at least one data reconciliation technique to the core data to reconcile the at least one inconsistent or incomplete record.

Abstract: Text input data for an electronic record may be aggregated and mapped to create composite text input data. A semantic event in the composite text input data may be automatically detected, and a text mining result database may be updated by adding an entry identifying the detected semantic event and a triggering semantic rule. An indication for the electronic record may then be transmitted to a back-end application computer server that also determines at least one parameter corresponding to a characteristic of the electronic record. The computer server may then execute a computerized predictive model to predict a future performance characteristic indicator for the electronic record based on the at least one parameter and the indication received from the text mining platform, wherein the future performance characteristic indicator is indicative of a likelihood of an actual value of the electronic record differing from a predicted value of the electronic record.

Abstract: A system for processing an image including a vehicle using machine learning can include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device; extracting one or more features from the image; based on the extracted features and using a machine learning algorithm, determining a make and a model of the vehicle; obtaining user information relating to a financing request for the vehicle; determining a real-time quote for the vehicle based on the make, the model, and the user information; and transmitting the real-time quote for display on the client device.

Abstract: In a method, system, and computer-readable medium having instructions for a reverse benefits designer, one or more objects available for creating a plan design framework are displayed in a graphical user interface, an indication of an object from the one or more objects selected for placement in a hierarchy of the plan design framework depicted on the graphical user interface is received, and data is stored in a repository for the plan design framework in accordance with the object placement.

Abstract: A system for providing real-time bi-directional charge capture-centralized conversation between Billing and Provider entities, comprising a first computer apparatus with a computer apparatus charge capture module installed and a second computer apparatus with a computer apparatus billing module installed that are used to transmit and/or receive real-time charge capture centralized conversation data. Real-time charge capture-centralized conversation data is comprised of real-time charge capture data, which can be combined to create real-time claim data. The system further comprises first and second computer apparatus receipt and transmission via secured communication links. The real-time charge capture data, capture-centralized conversation data and claim data is presented in a social media conversation style format.

Abstract: A system and method for processing and administering insurance policy premium discounts for mobile device disabling technology to promote safer driver is disclosed. An insurance policy premium discount is determined based on the level of disabling technology implemented by a user on a user's mobile device.

Abstract: A risk assessment system and a data processing method are provided. The risk assessment system includes an analyze device and an electronic device. The analyze device generates at least one decision table according to a plurality of data and context features of the plurality of data. Each of the decision table has a plurality of entries, and each of the entries includes at least one of determining condition and probability information corresponding to a specific result. The electronic device communicates with the analyze device. The electronic device receives the decision table and compares the determining conditions of each entries with current conditions of an assessee. When the current conditions are the same to the determining conditions of a specific entry, the electronic device displays the determining conditions and the probability information corresponding to the specific entry.

Abstract: An insurance claim processing application that facilitates efficient and convenient processing of an insurance claim using a mobile device. The claim processing application can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the user's mobile device. Damaged portions of the user's vehicle can be identified automatically or by the user. Damage can be tagged using the mobile device and additional data can be provided by the user and associated with each tag. The claim processing application can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim.

Abstract: Communication network architectures, systems and methods for supporting a network of mobile nodes. As a non-limiting example, various aspects of this disclosure provide communication network architectures, systems, and methods for supporting a dynamically configurable communication network comprising a complex array of both static and moving communication nodes (e.g., the Internet of moving things).

Abstract: Sensor data related to the vehicle's location is received and then processed to determine whether the primary location of the insured vehicle is within the first rating area. If it is not, then the location data is further processed to determine a second rating area associated with the vehicle's primary location. The risk exposure values for the second rating areas are determined and then used to generate a second set of coverage parameters and a second set of insurance policy price data, which is then used to generate a second premium. The first set of coverage parameters are replaced by the second set of coverage parameters and the first premium is replaced by the second premium.

Abstract: Examples of the disclosure are directed to generating visualizations that illustrate various measures of risk associated with a litagion® agent in the context of entire industries or specific to a single party that produces or uses the litagion® agent. A Quindrex™ visualization can illustrate catastrophic risk presented by a risk agent, such as a litagion® agent. For example, the risk agent may be a chemical such as bisphenol A (BPA) or benzene. The visualization can include a plurality of portions, each corresponding to a metric of catastrophic risk associated with the risk agent visualized. A dartboard visualization can illustrate catastrophic risk presented by risk agents produced or used by a party, such as a company. The visualization can include a plurality of portions, such as wedges in a dartboard, each corresponding to a risk agent produced or used by the party.

Abstract: A technique and system protects documents at rest and in motion using declarative policies, access rights, and encryption. Methods, techniques, and systems control access to documents and use of content in documents to support information management policies.

Abstract: Validating patient payment estimates is provided. Validating patient payment estimates may comprise matching patient payment estimates with claims, payments and insurance contracts and providing tools to analyze the results of the matching process. Discrepancies may be determined, for example discrepancies between procedures and patient portions from the estimate with procedures actually billed and paid and a patient portion determined by the insurance company. Results may be stored in a dashboard user interface, which may then be available via a user interface for drill-down analysis.

Abstract: Methods and systems may relate to clustering of repair orders based on alternative repair indicators. Accordingly, a processor may determine that a particular computer-readable vehicle repair order (RO) corresponds to an existing cluster of ROs due to the particular RO including data that refers to a particular vehicle symptom. This existing cluster may be arranged to contain ROs that correspond to the particular vehicle symptom. In response to determining that the particular RO correspond to the existing cluster, the processor may determine that the particular RO includes data indicating an alternative repair that defines a vehicle repair for resolving the particular vehicle symptom other than by replacement of a particular vehicle component. Responsively, the processor may add the particular RO to a different cluster of ROs. This different cluster may be arranged to contain ROs that correspond to the particular vehicle symptom and to the alternative repair.

Abstract: Methods, systems and computer readable instructions to provide, and receive, location-variable insurance. Risk zones may be created that have geographic boundaries. A risk zone is a geographic area that has a risk of loss factor associated with the risk zone. Risk zones may have a temporal range, where the existence, geographic boundaries and risk of loss factor for a risk zone may change with time. A location of a person or thing insured may be determined on an on-going basis, providing the opportunity for continued coverage over a wide range of risk of loss factors.

Abstract: Electronic display systems, including roadside display devices, vehicle-based devices, personal mobile devices, intermediary servers, advertising servers and/or networks, and/or additional external data sources may operate individually or in combination to identify one or more vehicle locations, driving routes, driver and passenger characteristics, driving behavior and patterns, telematics data, and the like. Vehicle and individual characteristics and/or telematics data may be determined based on data received from traffic cameras, vehicle-based devices, personal mobile devices, telematics devices, and/or other data sources, including software applications.

Abstract: A system and method for carrying out wireless service discovery at a vehicle, the method comprising: determining that a wireless service is desired; determining a vehicle state, wherein the vehicle state is indicative of an operating vehicle state or an environmental vehicle state; selecting a wireless discovery mechanism based on the vehicle state, wherein the selection comprises selecting one of a plurality of different wireless discovery mechanisms, each of which utilizes a different wireless technology using the vehicle electronics; receiving one or more wireless communication messages at the vehicle using the wireless discovery mechanism, wherein the one or more received wireless communication messages include data corresponding to one or more wireless services; and determining availability of the wireless service based on the received communication messages.

Abstract: A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.

Abstract: Methods, computer-readable media, software, and apparatuses provide a system that may facilitate communications so that parents or other superiors may monitor driving behavior of a vehicle carrying children or other subordinates. The system may allow communications to be sent from a parent computing device to a particular child computing device to set conditions for notifying the parent or superior of the driving behavior of a vehicle. Child computing devices may collect drive data (e.g., vehicle telematics data) for the system to evaluate and determine whether conditions are met (e.g., whether parental restrictions, like a geo-fence, are violated). Further, the system may send notifications to child computing devices and parent computing devices indicating whether the drive data meets the conditions of an agreement between a parent and teen. The system may also provide a web portal for use in forming the agreement between parents and their teens.

Abstract: An insurance coverage and rating system and method. The system includes one or more data collecting devices collecting telematics data relative to one or more of an automobile, a home, health or at least one social media platform of an insured. An insurance analysis center is communicatively coupled to the one or more data collecting devices and receives telematics data from the one or more data collecting devices. The insurance analysis center determines an insurance rate for one or more of automobile insurance coverage, home insurance coverage, or life insurance coverage based at least in part on the telematics data received. A total insurance policy premium is then calculated by adding at least two of the determined insurance rates for the one or more of the automobile insurance coverage, the home insurance coverage or the life insurance coverage.

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 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: Provided is a fraud detection rule updating method enabling the updating of rules that serve as the basis for detecting malicious frames as necessary in an on-board network system. In an on-board network system equipped with multiple electronic control units (ECUs) that communicate via buses and fraud detecting ECUs that determine, based on fraud detection rules, whether messages transmitted on the buses conform to the rules, a fraud detection rule updating method is used in which delivery data including updated fraud detection rules is received from a server external to the on-board network system, and if a certain update condition is satisfied, the fraud detection rules in a fraud detecting ECU are updated to the updated fraud detection rules.

Abstract: Various aspects of a system and method are disclosed for communicating vehicle repair data among a plurality of parties, wherein a data pump is employed to automate the extraction of vehicle repair data such as labor hours estimation data from a repair facility computer system for delivery to interested parties, including a rental vehicle service provider that provides replacement rental vehicles to drivers whose vehicles are undergoing repairs at repair facilities. A reservation management computer system operated by the rental vehicle service provider can thus use the received vehicle repair data to facilitate management of replacement rental vehicle reservations by its business partners, such as insurance companies.

Abstract: A system for contextualizing a digital flyer is disclosed. The system includes a polygon mapping module for incorporating contextual information in the digital flyer using polygon mapping information, the polygon mapping information comprising a polygon for defining a polygonal area on a source flyer image of the digital flyer, the polygon being tagged with the contextual information, and a flyer data store for storing the tagged polygon. There is also disclosed for displaying the contextualized digital flyer and generating feedback using the contextualized digital flyer.

Abstract: Aspects of the invention include methods and systems for a vehicle insurance claim management application which improves communication and streamline tasks between a vehicle repair shop and an insurance company system in three general task groups: assignment (comprising work requests, estimates/photos, and reinspections), financial management, and performance measurement. Aspects of the invention also provide interoperability with different types of estimating systems that do not necessarily follow an industry standard. This interoperability is provided through an adapter module with a claim processing system to communicate with the insurance company system and the vehicle insurance claim management application. The invention is preferably accessed by a user over a computer network such as the Internet, from a remote location such as a vehicle repair shop.

Abstract: Methods and systems for supplying content to a user including generating, configuring content data for presentation on a display of a user computing device, transmitting the content data to the display of the user computing device for display on the user computing device, collecting, behavior data of the user sensed by the tracking module, generating engagement data based on the collected behavior data, determining supplemental content configured for presentation on a display of the user computing device and displaying the supplemental content to the user on the user computing device.

Abstract: A method, system and computer-readable medium are provided for facilitating a virtual inspection of an insurable area, the method including the steps of receiving an indication of a request from a user at a user mobile device to perform a virtual inspection of an insurable area, determining one or more information items needed with respect to the insurable area, providing a set of instructions to the user at the mobile device for capturing one or more image items based on the determined one or more information items, receiving a set of image items from the mobile device in response to the instructions and providing an insurance decision for the insurable area based on the received set of image items.

Abstract: Various devices are described, which are configured to use telematics data from one driver to facilitate safer vehicle travel for another driver. A remote server may include (1) a communication unit configured to receive a broadcast including telematics data generated and transmitted from a first mobile device or smart vehicle; and (2) a processor configured to determine (i) a travel event; (ii) a GPS location of the travel event; and/or (iii) an estimated or actual geographical or temporal scope of the travel event from computer analysis of the telematics data. The remote server may transmit a travel event-related wireless communication to a second mobile device or smart vehicle to facilitate safer vehicle travel for a second driver or vehicle based upon the telematics data associated with the first driver/vehicle. Insurance discounts may be provided for individuals or vehicles based upon having or using the risk mitigation or prevention functionality.

Abstract: A method, computer system, and a computer program product for detecting and managing a vehicle violation by utilizing a plurality of feedback is provided. Embodiments of the present invention may include detecting a violation by a vehicle, wherein the vehicle includes a vehicle device, wherein nearby vehicles are notified of the violation by emitting an alarm. Additional embodiments of the present invention may include detecting a violation by a violating vehicle by utilizing sensors. Additional embodiments of the present invention may then include detecting a witness and recording feedback received by a witness. Additional embodiments of the present invention may further include evaluating the recorded feedback and gathered information on the violation and determining a sufficiency of the feedback and gathered information to verify whether the detected violation is valid.

Abstract: In some examples, a processor on a vehicle may determine, based at least partially on information obtained from a sensor, that a fuel level of the vehicle is increasing. Further, the processor may determine that the fuel level has stabilized for a threshold time. In addition, the processor may determine an amount of fuel added to the vehicle, and may send, over a wireless network to a computing device, a communication indicating the amount of fuel added. In some cases, the computing device may compare the amount of fuel indicated in the communication from the processor with an amount of fuel indicated in information received from a point-of-sale device for determining a difference.

Abstract: Automated systems and methods for implementing and managing the submission, quote, proposal and binding stages (i.e., placement process) for securing insurance coverage.

Abstract: In embodiments of the present invention improved capabilities are described for managing access to a secure exchange environment managed by an intermediate business entity through a user email identity, the method comprising establishing a secure exchange server hosted by an intermediate business entity, wherein communications and access to a collection of files established by a first business entity are managed for a second business entity; and establishing an email effectivity facility that allows a user of the first business entity to specify a condition for email-based access to at least one resource in the collection of files, wherein the condition expresses (a) an effective period for using an email providing access to the resource and (b) a condition of email access to the resource by a designated individual of the second business entity, wherein the access permission was assigned using a specific email address of the designated individual.

Abstract: Contact recommendations based on purchase history are described. A system creates a directed graph of nodes in which at least some of the nodes are connected by directed arcs, wherein a directed arc from a first node to a second node represents a conditional probability that previous users who purchased a first contact also purchased a second contact. The system identifies a set of contacts purchased by a current user. The system estimates a prospective purchase probability based on a historical probability that previous users purchased a specific contact and a related probability that previous users who purchased the specific contact also purchased a contact in the set of contacts, for each candidate contact. The system outputs a recommendation for the current user to purchase a recommended candidate contact based on a corresponding prospective purchase probability.

Abstract: Proposed are a parametric, event-driven critical illness insurance system based on a resource-pooling system (1) and method for risk sharing of critical illness risks of a variable number of risk exposure components (21, 22, 23) by providing a dynamic self-sufficient risk protection for the risk exposure components (21, 22, 23) by means of the resource-pooling system (1). The resource-pooling system (1) comprises an assembly module (5) to process risk-related component data (211,221,231) and to provide the likelihood (212, 222, 232) of said risk exposure for one or a plurality of the pooled risk exposure components (21, 22, 23, . . . ) based on the risk-related component data (211, 221, 231).

Abstract: Methods and systems for vehicle-to-vehicle communication are disclosed. In some embodiments, the method includes: receiving, from a first vehicle via a network, a request for communicating with another vehicle; receiving, via the network, a first position signal from the first vehicle; determining a position of the first vehicle based on the first position signal; determining a target vehicle of the request, based on the request and the position of the first vehicle; transmitting, via the network, the request to the target vehicle; determining whether the target vehicle drives according to the request; and adding an amount of credit to an account associated with the target vehicle when it is determined that the target vehicle drives according to the request.

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.