Patent ID: 11891072
Assignee: ALLSTATE INSURANCE COMPANY
Field: Transport (Mechanical engineering)
Classification: CPC B | IPC B

Claim 7:
8. A non-transitory computer readable medium storing instructions that, executed by a computing device, cause the computing device to:
receive telematics data from two or more vehicles;
determine a time of an accident based on the telematics data received from the two or more vehicles;
determine, from the two or more vehicles, a vehicle that was within a preset distance of the accident;
determine whether the vehicle performed a high-risk driving event based on the telematics data compared with at least a threshold during a timeframe prior to the time of the accident;
responsive to determining that the vehicle performed the high-risk driving event during the timeframe prior to the accident, determining whether the high-risk driving event caused the accident;
negatively adjust, based on the determination the high-risk driving event caused the accident, a driver score of the vehicle, wherein the driver score is an indication of a driving pattern of the vehicle compared to a normalized group driving pattern representative of driving behavior of the two or more vehicles;
positively adjust or maintain, based on the determination the high-risk driving event did not cause the accident, a driver score of the vehicle; and
automatically present the adjusted driver score as (i) an audio output via one or more speakers, (ii) a textual output, audiovisual output, graphical output, or a combination thereof via a video display device, or (iii) a combination thereof.