State Farm's newest patent application reveals plans for a new type of auto insurance plan that would create custom insurance rates for customers based on a combination of biometric and automotive data.
In an attempt to prevent road range from escalating into a potential danger, the system aims to detect and diffuse anxiety, agitation and aggression. The 'Emotion Management System,' as it's being called, would use a combination of sensors and cameras to keep a pulse on data related to a driver's heart rate, grip on the steering wheel, body temperature, arm movement, head movement, vocal patterns and respiration rate. If alarming set of triggers is detected, the system would offer stimuli to change a driver's behavior. For instance, this might include the onset of relaxing music, pre-recorded messages, nature sounds, fragrance or even cool blasts of air.
Key Themes Behind This Trend
- Biometric Insurance Plans
- State Farm plans to use biometric and automotive data to create custom auto insurance rates.
- Emotion Management System
- State Farm's patent application outlines an Emotion Management System to detect and diffuse anxiety, agitation, and aggression.
- In-car Monitoring
- State Farm's use of sensors and cameras to monitor driver data may lead to more advanced in-car monitoring technology.
Where This Applies
- Auto Insurance
- State Farm's biometric approach to auto insurance may disrupt the traditional insurance industry.
- Automotive Technology
- State Farm's use of biometric and automotive data to customize rates may drive new advancements in automotive technology.
- Health and Wellness
- State Farm's Emotion Management System may pave the way for more health and wellness innovations in the automotive industry.
