USPTO Patent Grant: Vehicle Trip Loss Risk Assessment Scoring

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 17th, 2026

Detected March 22nd, 2026

Summary

The USPTO has granted patent US12580987B2 to State Farm Mutual Automobile Insurance Company for a technique to assess vehicle trip loss risk. The patented method involves collecting vehicle operation and environmental data to generate a score for a vehicle trip.

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What changed

The United States Patent and Trademark Office (USPTO) has granted patent US12580987B2, titled 'Vehicle trip loss risk assessment scoring,' to State Farm Mutual Automobile Insurance Company. The patent describes a method for determining a loss risk assessment score for a vehicle trip by correlating vehicle operational data with environmental information to generate a data set, upon which the score is based.

This patent grant is a notice of intellectual property protection for a specific technological approach to risk assessment in the automotive insurance sector. While not a regulatory mandate, it signifies innovation in telematics and data utilization for underwriting. Insurers and automotive technology providers should be aware of this patented technology, as it may influence future product development and data collection strategies in usage-based insurance and risk management.

Source document (simplified)

← USPTO Patent Grants

Using contextual information for vehicle trip loss risk assessment scoring

Grant US12580987B2 Kind: B2 Mar 17, 2026

Assignee

State Farm Mutual Automobile Insurance Company

Inventors

Krishna Nemmani, Zebediah Robert Black, Corey Casmedes, Hoang Dang, Yuncheng Gao, Tyler Hargreaves, John Steven Kirtzic, Zongzhe Li, Einar Longva, Victor Mao, Trac Nguyen, Sivarama Kirshna Panguluri, Dalton Sherer, Edward Yang

Abstract

A technique is provided for determining a loss risk assessment score for a vehicle trip. The technique includes, at a vehicle, a computing device receiving first information indicative of operation of the vehicle. The technique also includes, at the vehicle, the computing device receiving second information indicative of an environment at a particular location and time. The computing device correlates the first information and the second information to generate a data set. The technique also includes determining a score for the vehicle trip based at least in part upon the generated data set.