Patent ID: 11875366
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G  B | IPC G

Claim 0:
1. A computer-implemented method comprising:
receiving telematics data that was collected during one or more time periods by one or both of (i) one or more electronic subsystems located on or in a vehicle and (ii) a mobile electronic device of a driver or a passenger in the vehicle, wherein receiving the telematics data includes receiving operational data indicative of how the driver of the vehicle operated the vehicle during the one or more time periods;
analyzing, by one or more processors, the received telematics data to identify driving behaviors of the driver during the one or more time periods;
receiving alert responsiveness data indicating how responsive the driver is to one or more types of vehicle alerts;
generating or modifying, by the one or more processors, a driver profile associated with the driver, the driver profile including driving behavior profile information based upon the one or more driving behaviors and alert responsiveness profile information based upon the alert responsiveness data;
identifying, by one or more processors and based at least upon the generated or modified driver profile, a suggested vehicle type, wherein identifying the suggested vehicle type includes determining that the generated or modified driver profile meets a set of one or more matching criteria associated with the suggested vehicle type at least in part by
determining that the driving behavior profile information meets one or more criteria indicative of capability of the suggested vehicle type, and
determining that the alert responsiveness profile information meets one or more criteria indicative of reliability of the suggested vehicle type; and

causing, by the one or more processors, an indication of the suggested vehicle type to be displayed to a user.