Autonomous Vehicle Control Transfer Based on Driver Risk Comparison
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Solution Overview
Problem
Current insurance premium determination methods do not account for the use of autonomous vehicle operating features, leading to inadequate risk assessment and pricing for vehicles equipped with such technology.
Innovation Solution
A system and method that determine the engagement or disengagement of autonomous vehicle operation features based on risk levels, comparing autonomous operation risks with operator risk levels, and adjust insurance policies accordingly, using data from sensors and vehicle operator profiles to ensure safer vehicle control.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If traditional insurance premium determination methods are used, then premiums are calculated based on standard factors (age, location, vehicle model), but they do not account for autonomous vehicle operating features, leading to inadequate risk assessment
Solution Approach 1:
The system dynamically adjusts risk assessment by monitoring real-time operational data from autonomous vehicle features. The risk model transitions from static traditional factors to a dynamic evaluation that incorporates sensor data, autonomous operation status, and actual usage patterns, allowing premiums to adapt continuously to changing risk profiles
Solution Approach 2:
The system implements feedback loops where operational data from autonomous vehicle sensors is continuously collected, analyzed, and fed back into the risk assessment model. This feedback mechanism enables the insurance system to learn from actual vehicle operation and adjust risk calculations accordingly, improving measurement precision over time
2Reliability
If autonomous vehicle operation features are engaged, then vehicle operation safety may improve, but control transfer decisions require comparing autonomous operation risks with operator risk levels
Solution Approach 1:
The control transfer decision system is segmented into distinct functional modules: sensor data acquisition, autonomous risk assessment, operator risk assessment, comparison logic, and control transfer execution. Each module handles a specific aspect of the decision-making process, reducing overall system complexity while maintaining comprehensive safety evaluation
Solution Approach 2:
The system introduces an intermediary risk assessment layer that mediates between autonomous operation risks and operator risk levels. This intermediary component processes and compares both risk assessments, making the control transfer decision based on objective criteria rather than direct complex interaction between multiple systems
3Measurement precision
If insurance policies are adjusted based on actual usage and risk levels, then premium calculations become more accurate, but requires continuous monitoring and data processing
Solution Approach 1:
The system implements periodic data processing at strategically determined intervals rather than continuous monitoring. Risk assessments and premium calculations are updated at regular intervals or when significant events occur, reducing computational burden and time loss while maintaining sufficient accuracy for insurance purposes
Solution Approach 2:
The system performs preliminary data processing and filtering of sensor inputs before full risk assessment computation. By pre-processing and validating data in advance, the system reduces the computational complexity of subsequent premium calculations, minimizing time loss while ensuring accurate measurements
Data Source
AI summary
According to certain aspects, a computer-implemented method for operating an autonomous or semi-autonomous vehicle may be provided. With the customer's permission, an identity of a vehicle operator may be identified and a vehicle operator profile may be retrieved. Operating data regarding autonomous operation features operating the vehicle may be received from vehicle-mounted sensors. When a request to disable an autonomous feature is received, a risk level for the autonomous feature is determined and compared with a driver behavior setting for the autonomous feature stored in the vehicle operator profile. Based upon the risk level comparison, the autonomous vehicle retains control of vehicle or the autonomous feature is disengaged depending upon which is the safer driver—the autonomous vehicle or the vehicle human occupant. As a result, unsafe disengagement of self-driving functionality for autonomous vehicles may be alleviated. Insurance discounts may be provided for autonomous vehicles having this safety functionality.