Systems and methods for surface segment data

Abstract

Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data.

What is claimed is: 
     
         1 . A method, comprising:
 determining, by a specially-programmed processing device, information descriptive of an amount of time a vehicle spends on a first type of surface segment;   determining, by the processing device, information descriptive of an amount of time the vehicle spends on a second type of surface segment;   determining, by the processing device, a first risk metric of the first type of surface segment;   determining, by the processing device, a second risk metric of the second type of surface segment;   determining, by the processing device and based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;   determining, by the processing device and based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and   determining, by the processing device and based at least in part on the first and second risk exposures, an insurance rate for the vehicle.   
     
     
         2 . The method of  claim 1 , further comprising:
 determining first weather condition information for at least one portion of time the vehicle spends on the first type of surface segment; and   determining a first weather risk metric for the first weather condition information for the at least one portion of the time the vehicle spends on the first type of surface segment;   wherein the first risk metric of the first type of surface segment comprises the first weather risk metric.   
     
     
         3 . The method of  claim 1 , further comprising:
 determining second weather condition information for at least one portion of time the vehicle spends on the second type of surface segment; and   determining a second weather risk metric for the second weather condition information for the at least one portion of the time the vehicle spends on the second type of surface segment;   wherein the second risk metric of the second type of surface segment comprises the second weather risk metric.   
     
     
         4 . The method of  claim 1 , wherein the determining of the information descriptive of the amount of time the vehicle spends on the first type of surface segment, comprises:
 determining credit card purchase transaction location information descriptive of the vehicle being located on a surface segment of the first type; and   determining credit card purchase transaction timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type.   
     
     
         5 . The method of  claim 1 , wherein the determining of the information descriptive of the amount of time the vehicle spends on the first type of surface segment, comprises:
 determining telematic device location information descriptive of the vehicle being located on a surface segment of the first type; and   determining telematic device timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type.   
     
     
         6 . The method of  claim 1 , wherein the insurance rate comprises an initial insurance premium rate plan. 
     
     
         7 . The method of  claim 1 , wherein the insurance rate comprises an adjustment to an initial insurance premium rate plan. 
     
     
         8 . The method of  claim 1 , wherein the first risk metric of the first type of surface segment comprises a risk metric based at least in part on one or more of: (i) a surface material of the first type of surface segment; (ii) a geometric characteristic of the first type of surface segment; (iii) a wildlife condition adjacent to the first type of surface segment; (iv) a construction status of the first type of surface segment; and (v) a lighting characteristic of the first type of surface segment. 
     
     
         9 . The method of  claim 8 , wherein the second risk metric of the second type of surface segment comprises a risk metric based at least in part on one or more of: (i) a surface material of the second type of surface segment; (ii) a geometric characteristic of the second type of surface segment; (iii) a wildlife condition adjacent to the second type of surface segment; (iv) a construction status of the second type of surface segment; and (v) a lighting characteristic of the second type of surface segment. 
     
     
         10 . The method of  claim 1 , wherein the first and second risk metrics are different. 
     
     
         11 . The method of  claim 1 , wherein the insurance rate for the vehicle is further based at least in part on at least one of: (i) a risk exposure of a driver of the vehicle; and (ii) a risk exposure of a vehicle type of the vehicle. 
     
     
         12 . An apparatus, comprising:
 a processing device; and   a memory device in communication with the processing device, the memory device storing instructions that when executed by the processing device result in:
 determining information descriptive of an amount of time a vehicle spends on a first type of surface segment; 
 determining information descriptive of an amount of time the vehicle spends on a second type of surface segment; 
 determining a first risk metric of the first type of surface segment; 
 determining a second risk metric of the second type of surface segment; 
 determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure; 
 determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and 
 determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle. 
   
     
     
         13 . The apparatus of  claim 12 , wherein the instructions, when executed by the processing device, further result in:
 determining first weather condition information for at least one portion of time the vehicle spends on the first type of surface segment; and   determining a first weather risk metric for the first weather condition information for the at least one portion of the time the vehicle spends on the first type of surface segment;   wherein the first risk metric of the first type of surface segment comprises the first weather risk metric.   
     
     
         14 . The apparatus of  claim 12 , wherein the instructions, when executed by the processing device, further result in:
 determining second weather condition information for at least one portion of time the vehicle spends on the second type of surface segment; and   determining a second weather risk metric for the second weather condition information for the at least one portion of the time the vehicle spends on the second type of surface segment;   wherein the second risk metric of the second type of surface segment comprises the second weather risk metric.   
     
     
         15 . The apparatus of  claim 12 , wherein the memory device stores instructions that when executed by the processing device result in the determining of the information descriptive of the amount of time the vehicle spends on the first type of surface segment, comprising:
 determining credit card purchase transaction location information descriptive of the vehicle being located on a surface segment of the first type; and   determining credit card purchase transaction timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type.   
     
     
         16 . The apparatus of  claim 12 , wherein the memory device stores instructions that when executed by the processing device result in the determining of the information descriptive of the amount of time the vehicle spends on the first type of surface segment, comprising:
 determining telematic device location information descriptive of the vehicle being located on a surface segment of the first type; and   determining telematic device timing information descriptive of the amount of time the vehicle spends on the surface segment of the first type.   
     
     
         17 . The apparatus of  claim 12 , wherein the insurance rate comprises an initial insurance premium rate plan. 
     
     
         18 . The apparatus of  claim 12 , wherein the insurance rate comprises an adjustment to an initial insurance premium rate plan. 
     
     
         19 . The apparatus of  claim 12 , wherein the first risk metric of the first type of surface segment comprises a risk metric based at least in part on one or more of: (i) a surface material of the first type of surface segment; (ii) a geometric characteristic of the first type of surface segment; (iii) a wildlife condition adjacent to the first type of surface segment; (iv) a construction status of the first type of surface segment; and (v) a lighting characteristic of the first type of surface segment. 
     
     
         20 . A computer-readable memory storing instructions that when executed by a processing device result in:
 determining information descriptive of an amount of time a vehicle spends on a first type of surface segment;   determining information descriptive of an amount of time the vehicle spends on a second type of surface segment;   determining a first risk metric of the first type of surface segment;   determining a second risk metric of the second type of surface segment;   determining, based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;   determining, based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure; and   determining, based at least in part on the first and second risk exposures, an insurance rate for the vehicle.