Insurance policy management using telematics

• US 10,304,141 B1
• Filed: 08/04/2017
• Issued: 05/28/2019
• Est. Priority Date: 03/16/2009
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Healy, Jodi Jean, Rodgers, Keith, Gonzales, Rod, Dohner, Robert Kenneth, Brown, Christine Marie, Medina, Reynaldo
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US15/669,459
• Time in Patent Office: 662 Days
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method or system may comprise generating a plurality of routes to a destination of a vehicle. Traversal, by the vehicle, of a route may be determined by a telematics device. The telematics vehicle may be configured to monitor a location of the vehicle and motion of the vehicle. The telematics device may be configured to generate data associated with the traversal of the route, the location of the vehicle, or the motion of the vehicle. Driving behavior of the vehicle may be determined, based at least on the data. A rating associated with the vehicle or the traversal of the route may be determined, based at least on the driving behavior. A risk score may be determined for the route. The rating may be determined, based at least on the risk score. The rating may be determined, based at least on the driving behavior.

Claims

1. A method comprising:

determining, by a telematics device of a vehicle, traversal, by the vehicle, of a route, wherein the telematics device is configured to;

monitor a location of the vehicle; and

generate data associated with the traversal, by the vehicle, of the route;

receiving, by a computing device and from the telematics device, the data, wherein the data is stored to a memory;

determining, based at least on the data and a determination that the data stored to the memory has reached a predetermined amount of data, driving behavior associated with the vehicle;

determining, based at least on the driving behavior, a rating associated with the traversal, by the vehicle, of the route; and

transmitting an indication of the rating.

2. The method of claim 1, wherein the route is one of a plurality of routes generated by the telematics device and selected, via a user interface of the telematics device.

3. The method of claim 1, wherein the determining the rating is further based at least on a risk score of the route.

4. The method of claim 1, wherein the telematics device comprises a global system for mobile communication (GSM) device.

5. The method of claim 1, wherein the determining the rating is further based at least on a performance parameter of the vehicle.

6. The method of claim 1, wherein the rating is associated with insuring the vehicle.

7. The method of claim 1, further comprising:

determining traversal, by the vehicle, of another route;

determining, based at least on data from the telematics device associated with the traversal of the vehicle of the another route, driving behavior associated with the vehicle and the another route; and

determining, based at least on the driving behavior and the driving behavior associated with the another route, an average rating associated with the vehicle.

8. A non-transitory computer-readable medium comprising computer-readable instructions for:

receiving, from a telematics device of a vehicle, data generated by the telematics device, wherein the telematics device is configured to monitor movement of the vehicle, and wherein the data is associated with movement of the vehicle and is stored to a memory;

determining, based at least on the data and a determination that the data stored to the memory has reached a predetermined amount of data, driving behavior associated with the vehicle;

determining, based at least on the driving behavior, a rating associated with the vehicle; and

transmitting an indication of the rating.

9. The non-transitory computer-readable medium of claim 8, wherein the predetermined amount of data is based at least on a sufficient sample size of data to determine the rating associated with the vehicle.

10. The non-transitory computer-readable medium of claim 8, wherein the predetermined amount of data corresponds to a time period associated with the stored data.

11. The non-transitory computer-readable medium of claim 8, wherein the data is received via at least one of a wireless connection, a physical connection, or an intermediary device.

12. The non-transitory computer-readable medium of claim 8, wherein the data comprises data associated with one or more periods of time;

and

wherein the determining the rating associated with the vehicle comprises determining the rating at time intervals, wherein each of the time intervals corresponds to at least one of the one or more periods of time.

13. An apparatus comprising:

a processor; and

a memory coupled with the processor, the memory storing executable instructions that when executed by the processor cause the processor to effectuate operations comprising;

generating, based at least on a destination of a vehicle, a plurality of routes to the destination, wherein each of the plurality of routes comprises one or more route segments;

determining, based at least on the one or more route segments, a risk score for each of the plurality of routes;

monitoring, by a telematics device of the vehicle, the vehicle on a selected route of the plurality of routes;

determining, based at least on the risk score of the selected route and the monitoring the vehicle on the selected route, a rating associated with traversal, by the vehicle, of the selected route; and

transmitting an indication of the rating.

14. The apparatus of claim 13, wherein the rating comprises a risk score of the traversal, by the vehicle, of the selected route.

15. The apparatus of claim 13, further operations comprising causing output, via a user interface of the telematics device, of an indication of the plurality of routes, wherein an indication of the selected route is received, via the user interface of the telematics device.

16. The apparatus of claim 13, wherein the determining the risk score for each of the plurality of routes is further based at least on at least one of a crime statistic, an accident rate, a road condition, a weather condition, a construction activity, or a traffic condition of an area traversed by at least one of the plurality of routes.

17. The apparatus of claim 13, further operations comprising determining the selected route of the plurality of routes based at least on the risk score for each of the plurality of routes.

18. The apparatus of claim 13, further operations comprising determining, based at least on the rating, information associated with insuring the vehicle.

19. The apparatus of claim 13, wherein the determining the rating is further based at least on a characteristic of an operator of the vehicle.