US Patent 10157321 Vehicle event detection and classification using contextual vehicle information

A method and system for detecting vehicle events and classifying them based on contextual vehicle information. The method includes detecting a vehicle event using vehicle movement data, and then obtaining and analyzing contextual vehicle information associated with the vehicle event. The contextual vehicle information may be indicative of an external condition that led to the vehicle event, such as an object in the vehicle's path, that helps classify the vehicle event for purposes of insurance risk assessment. Another disclosed method involves comparing the vehicle movement data with the vehicle performance requirements for each of the plurality of insurance carrier plans, and notifying a vehicle operator when the vehicle data satisfies the vehicle performance requirements for any one of the insurance carrier plans. Example systems may include a telematics unit installed to a vehicle that is configured to collect vehicle movement data and contextual vehicle information.