Patent ID: 11970180
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: nan (nan)
Classification: CPC nan | IPC B  G

Claim 12:
13. A system comprising:
one or more processors; and
one or more memories coupled to the one or more processors;
the one or more memories including computer executable instructions stored therein that, when executed by the one or more processors, cause the one or more processors to perform:
identifying a human operator of a vehicle, the human operator being associated with a driving capability profile;
determining an alertness level of the human operator based on: (i) an activity level determined from video data of the human operator, and (ii) at least one of vehicle accident history, vehicle usage history, or biographical data;
determining an environmental risk profile of an environment of the vehicle;
determining whether the vehicle satisfies a control change condition based on the driving capability profile, the alertness level, and the environmental risk profile;
transmitting an offer to the human operator if the vehicle satisfies the control change condition, the offer including a reduction to an insurance premium cost if the human operator agrees to a request to initiate a transfer of control to engage manual control of the vehicle; and
if the human operator agrees to the request, initiating transfer of control to engage manual control.