Carsharing peril analysis
First Claim
Patent Images
1. A system comprising:
- a mobile device comprising structure which limits operation of a vehicle by distance and time when the mobile device is inside the vehicle unless the mobile device receives instructions to purchase carsharing insurance to operate the vehicle to a destination selected on the mobile device; and
a server coupled to a cloud network comprising structure which associates the vehicle with the mobile device for executing algorithmic logic including;
downloading a driver score and driving limits from the cloud network;
limiting operation of the vehicle by the driving limits;
calculating carsharing insurance options based on the driver score;
electronically displaying on the mobile device the carsharing insurance options;
determining a current insurance coverage of the vehicle;
electronically displaying the adequacy of the current insurance coverage;
electronically soliciting purchase of carsharing insurance options to continue;
electronically presenting a price for each carsharing insurance option; and
electronically facilitating operation of the vehicle if a selection is made to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle.
1 Assignment
0 Petitions
Accused Products
Abstract
Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle'"'"'s occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.
40 Citations
20 Claims
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1. A system comprising:
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a mobile device comprising structure which limits operation of a vehicle by distance and time when the mobile device is inside the vehicle unless the mobile device receives instructions to purchase carsharing insurance to operate the vehicle to a destination selected on the mobile device; and a server coupled to a cloud network comprising structure which associates the vehicle with the mobile device for executing algorithmic logic including; downloading a driver score and driving limits from the cloud network; limiting operation of the vehicle by the driving limits; calculating carsharing insurance options based on the driver score; electronically displaying on the mobile device the carsharing insurance options; determining a current insurance coverage of the vehicle; electronically displaying the adequacy of the current insurance coverage; electronically soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if a selection is made to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system comprising:
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an in-dash unit housed in the vehicle comprising structure which limits operation of the vehicle by distance and time unless the in-dash unit receives instructions to purchase carsharing insurance to operate the vehicle to a destination selected on the in-dash unit; and a server coupled to a cloud network comprising structure which associates the vehicle with the in-dash unit for executing algorithmic logic including; downloading a driver score and driving limits from the cloud network; limiting operation of the vehicle by the driving limits; calculating carsharing insurance options based on the driver score; electronically displaying on the in-dash unit the carsharing insurance options; determining a current insurance coverage of the vehicle; electronically displaying the adequacy of the current insurance coverage; electronically soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if a selection is made to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle. - View Dependent Claims (9, 10, 11, 12, 13)
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14. A system comprising:
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a server coupled to a cloud network comprising structure which associates a vehicle with another structure for limiting operation of the vehicle by distance and time by executing algorithmic logic including; downloading a driver score and driving limits from the cloud network; limiting operation of the vehicle by the driving limits; calculating carsharing insurance options based on the driver score; electronically displaying the carsharing insurance options; determining a current insurance coverage of the vehicle; electronically displaying the adequacy of the current insurance coverage; electronically soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if a selection is made to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification