Automatic exchange of information in response to a collision event
First Claim
1. A computer-implemented method comprising:
- generating, at a first wireless computing device during operation of a vehicle, first vehicle operation data describing operation of the vehicle;
detecting, by the first wireless computing device, a collision event involving the vehicle based on the first vehicle operation data including an observed change in acceleration of the vehicle;
establishing, by the first wireless computing device, a communication session with an insurance system;
receiving, by the first wireless computing device and from the insurance system, first insurance information;
wherein detection of the collision event activates the first wireless computing device to initiate a discovery mode to determine whether a second wireless computing device is located in a vicinity of the collision event and also detected at least one collision event, the discovery mode including broadcasting, by the first wireless computing device, of an indication that the collision event has occurred and a date and time of the collision event;
discovering, by the first wireless computing device, a second wireless computing device, the discovering including receiving, in response to the broadcasting and by the first wireless computing device, an acknowledgement response from the second wireless computing device;
responsive to discovery of the second wireless computing device;
activating a handshake mode between the first wireless computing device and the second wireless computing device to establish a communication session between the first wireless computing device and the second wireless computing device;
initiating transmission by the first wireless computing device to the second wireless computing device, of the first insurance information and at least a portion of the first vehicle operation data,receive, from the second wireless computing device, second insurance information and second vehicle operation data, andtransmit, to the insurance system, third vehicle operation data comprising the second vehicle operation data and at least a portion of the first vehicle operation data;
identify, by the insurance system, an at-fault participant for the collision event based on the third vehicle operation data.
1 Assignment
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Accused Products
Abstract
Systems and methods for the automatic exchange of insurance information in response to a collision event are provided. A wireless communication device may collect telematics data related to operation of a vehicle. The wireless communication device may detect the occurrence of a collision event involving the vehicle based on the telematics data collected. The wireless communication device may discover another wireless communication device locating in the vicinity of the collision event that has also detected a collision event. The wireless device may initiate an exchange of insurance information with that other wireless communication device. Other types of information may be exchanged between the wireless devices as well as between an insurance system in signal communication with the wireless devices in response to a collision event.
240 Citations
16 Claims
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1. A computer-implemented method comprising:
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generating, at a first wireless computing device during operation of a vehicle, first vehicle operation data describing operation of the vehicle; detecting, by the first wireless computing device, a collision event involving the vehicle based on the first vehicle operation data including an observed change in acceleration of the vehicle; establishing, by the first wireless computing device, a communication session with an insurance system; receiving, by the first wireless computing device and from the insurance system, first insurance information; wherein detection of the collision event activates the first wireless computing device to initiate a discovery mode to determine whether a second wireless computing device is located in a vicinity of the collision event and also detected at least one collision event, the discovery mode including broadcasting, by the first wireless computing device, of an indication that the collision event has occurred and a date and time of the collision event; discovering, by the first wireless computing device, a second wireless computing device, the discovering including receiving, in response to the broadcasting and by the first wireless computing device, an acknowledgement response from the second wireless computing device; responsive to discovery of the second wireless computing device; activating a handshake mode between the first wireless computing device and the second wireless computing device to establish a communication session between the first wireless computing device and the second wireless computing device; initiating transmission by the first wireless computing device to the second wireless computing device, of the first insurance information and at least a portion of the first vehicle operation data, receive, from the second wireless computing device, second insurance information and second vehicle operation data, and transmit, to the insurance system, third vehicle operation data comprising the second vehicle operation data and at least a portion of the first vehicle operation data; identify, by the insurance system, an at-fault participant for the collision event based on the third vehicle operation data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 15)
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9. A wireless computing device comprising:
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one or more processors; and memory storing computer-readable instructions that, when executed by one of the processors, cause the wireless computing device to; generate, during operation of a vehicle, vehicle operation data describing operation of the vehicle; detect a collision event involving the vehicle based on the vehicle operation data including an observed change in acceleration; establish a communication session with an insurance system; receive, from the insurance system, first insurance information; responsive to detection of the collision event, initiate a discovery mode in order to determine whether another wireless computing device within a vicinity of the collision event has also detected at least one collision event, the discovery mode including broadcasting an indication that a collision event has occurred and a date and time of the collision event; discovering the other wireless computing device, the discovering including receiving, in response to the broadcasting, an acknowledgement response from the other wireless computing device; responsive to discovering the other wireless computing device; activating a handshake mode between the wireless computing device and the other wireless computing device to establish a communication session between the wireless computing device and the other wireless computing device; initiating an exchange of the first insurance information and vehicle operation data with the other wireless computing device; and transmitting, to the insurance system, the exchanged vehicle operation data; wherein receipt of the exchanged vehicle operation data causes the insurance system to identify an at-fault participant for the collision event based on the exchanged vehicle operation data. - View Dependent Claims (10, 11, 12, 13, 14, 16)
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Specification