Patents
US 11720968 B1: Autonomous vehicle insurance based upon usage
- Granted
- 2023-08-08
- Filed
- 2019-11-27 application 16697396
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
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, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.
Source: PVGPATDIS, file of 2026-04-10 (ipg230808.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| State Farm Mutual Automobile Insurance Company 2,604 patents | US company or organization | Bloomington, IL | STATE FARM MUTUAL AUTOMOBILE INSURANCE CO Form D issuer FUZZY medium confidence: same name (legal endings aside) and state | PVGPATDIS, file of 2026-04-10 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Brian Mark Fields | Phoenix, AZ | 287 | PVGPATDIS, file of 2026-04-10 | |
| Chien Che Huang | Normal, IL | 44 | PVGPATDIS, file of 2026-04-10 | |
| Mohamed A. Wazeer | Normal, IL | 63 | PVGPATDIS, file of 2026-04-10 | |
| Shawn C. Bennett | Le Roy, IL | 52 | PVGPATDIS, file of 2026-04-10 | |
| Steven C. Cielocha | Bloomington, IL | 134 | PVGPATDIS, file of 2026-04-10 | |
| Ronny S. Bryant | Bloomington, IL | 82 | PVGPATDIS, file of 2026-04-10 | |
| Stephen Kohaus | Bloomington, IL | 42 | PVGPATDIS, file of 2026-04-10 | |
| Terry Quakenbush | Bloomington, IL | 43 | PVGPATDIS, file of 2026-04-10 | |
| Richard A. Novak | Plano, TX | 43 | PVGPATDIS, file of 2026-04-10 | |
| Aaron Scott Chan | San Jose, CA | 176 | PVGPATDIS, file of 2026-04-10 | |
| Craig M. Main | Allen, TX | 43 | PVGPATDIS, file of 2026-04-10 | |
| Weixin Wu | Normal, IL | 58 | PVGPATDIS, file of 2026-04-10 | |
| Torri Wollenschlager | Bloomington, IL | 71 | PVGPATDIS, file of 2026-04-10 | |
| Carol Marie Csanda | Hudson, IL | 44 | PVGPATDIS, file of 2026-04-10 | |
| Stacey Gorsuch | Bloomington, IL | 44 | PVGPATDIS, file of 2026-04-10 | |
| Todd Binion | Bloomington, IL | 136 | PVGPATDIS, file of 2026-04-10 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06F | Electric digital data processing | G06F8/65 | PVGPATDIS, file of 2026-04-10 |
| A61B | Diagnosis; surgery; identification | A61B5/02028 | PVGPATDIS, file of 2026-04-10 |
| B60K | Arrangement or mounting of propulsion units or of transmissions in vehicles; arrangement or mounting of plural diverse prime-movers in vehicles; auxiliary drives for vehicles; instrumentation or dashboards for vehicles; arrangements in connection with cooling, air intake, gas exhaust or fuel supply of propulsion units in vehicles | B60K35/00 | PVGPATDIS, file of 2026-04-10 |
| B60W | Conjoint control of vehicle sub-units of different type or different function; control systems specially adapted for hybrid vehicles; road vehicle drive control systems for purposes not related to the control of a particular sub-unit | B60W10/04 | PVGPATDIS, file of 2026-04-10 |
| B62D | Motor vehicles; trailers | B62D15/0285 | PVGPATDIS, file of 2026-04-10 |
| G01C | Measuring distances, levels or bearings; surveying; navigation; gyroscopic instruments; photogrammetry or videogrammetry | G01C21/3407 | PVGPATDIS, file of 2026-04-10 |
| G05D | Systems for controlling or regulating non-electric variables | G05D1/0055 | PVGPATDIS, file of 2026-04-10 |
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q30/0206 | PVGPATDIS, file of 2026-04-10 |
| G07C | Time or attendance registers; registering or indicating the working of machines; generating random numbers; voting or lottery apparatus; arrangements, systems or apparatus for checking not provided for elsewhere | G07C5/02 | PVGPATDIS, file of 2026-04-10 |
| G08B | Signalling systems, e.g. personal calling systems; order telegraphs; alarm systems | G08B25/10 | PVGPATDIS, file of 2026-04-10 |
| G08G | Traffic control systems | G08G1/091 | PVGPATDIS, file of 2026-04-10 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2019-11-27 | Assignment Assignment of assignor's interest | FIELDS, BRIAN MARK signed 2016-01-27 HUANG, CHIEN CHE signed 2016-02-09 WAZEER, MOHAMED A. signed 2016-02-23 BENNETT, SHAWN C. signed 2016-02-02 CIELOCHA, STEVE C. signed 2016-01-27 BRYANT, RONNY S. signed 2016-01-20 KOHAUS, STEVE signed 2016-02-12 QUAKENBUSH, TERRY signed 2016-02-10 NOVAK, RICHARD A. signed 2016-03-23 CHAN, AARON SCOTT signed 2016-02-05 MAIN, CRAIG M. signed 2016-01-20 WU, WEIXIN signed 2016-01-19 WOLLENSCHLAGER, TORRI signed 2016-02-10 CSANDA, CAROL MARIE signed 2016-01-21 GORSUCH, STACY signed 2016-02-09 BINION, TODD signed 2016-02-03 | STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY BLOOMINGTON, IL | 51127/132 | PASDL, file of 2026-10-15 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.