Systems and methods for weather-related vehicle damage prevention
First Claim
1. An insurance computing device comprising a processor and a memory, wherein the processor is programmed to:
- receive a registration request from a vehicle computing device associated with a vehicle and a covered parking location (CPL) computing device associated with a covered parking location;
register the vehicle computing device and the CPL computing device, wherein registering the vehicle computing device includes identifying the vehicle and an insurance policy associated with the vehicle, and wherein registering the CPL computing device includes identifying the covered parking location and an insurance policy associated with the covered parking location;
generate a usage profile associated with the vehicle and a usage profile associated with the covered parking location, wherein the usage profile associated with the vehicle includes a frequency of the vehicle being affected by inclement weather and a frequency of the vehicle being parked at a protected parking location during inclement weather, and wherein the usage profile associated with the covered parking location includes a frequency of the covered parking location permitting one or more vehicles to park in the covered parking location during inclement weather;
retrieve weather data of a region that includes the vehicle, the weather data including at least one of current weather data and predicted weather data;
determine from the weather data that the region will experience inclement weather within a predetermined period of time;
transmit information of one or more covered parking locations located nearby the vehicle, the one or more covered parking locations including the covered parking location;
receive a notification message indicating whether access to the covered parking location was permitted to the vehicle and whether the vehicle parked in an available parking spot of the covered parking location;
update, based on the notification message, the usage profile associated with the vehicle and the usage profile associated with the covered parking location; and
determine if (i) the insurance policy associated with the vehicle is eligible for insurance-related benefits based upon the usage profile associated with the vehicle, and (ii) the insurance policy associated with the covered parking location is eligible for insurance-related benefits based upon the usage profile associated with the covered parking location.
1 Assignment
0 Petitions
Accused Products
Abstract
An insurance computing device is provided. The insurance computing device may include a processor and a memory. The processor may be programmed to receive a registration request from a vehicle computing device associated with a vehicle and/or a covered parking location (CPL) computing device associated with a covered parking location, generate a usage profile associated with at least one of the vehicle and the covered parking location, monitor the vehicle computing device and/or the CPL computing device for any requests to reserve an available parking spot of the covered parking location, update the usage profile, determine if an insurance policy associated with the vehicle and/or the covered parking location is eligible for insurance-related benefits based upon the usage profile.
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Citations
21 Claims
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1. An insurance computing device comprising a processor and a memory, wherein the processor is programmed to:
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receive a registration request from a vehicle computing device associated with a vehicle and a covered parking location (CPL) computing device associated with a covered parking location; register the vehicle computing device and the CPL computing device, wherein registering the vehicle computing device includes identifying the vehicle and an insurance policy associated with the vehicle, and wherein registering the CPL computing device includes identifying the covered parking location and an insurance policy associated with the covered parking location; generate a usage profile associated with the vehicle and a usage profile associated with the covered parking location, wherein the usage profile associated with the vehicle includes a frequency of the vehicle being affected by inclement weather and a frequency of the vehicle being parked at a protected parking location during inclement weather, and wherein the usage profile associated with the covered parking location includes a frequency of the covered parking location permitting one or more vehicles to park in the covered parking location during inclement weather; retrieve weather data of a region that includes the vehicle, the weather data including at least one of current weather data and predicted weather data; determine from the weather data that the region will experience inclement weather within a predetermined period of time; transmit information of one or more covered parking locations located nearby the vehicle, the one or more covered parking locations including the covered parking location; receive a notification message indicating whether access to the covered parking location was permitted to the vehicle and whether the vehicle parked in an available parking spot of the covered parking location; update, based on the notification message, the usage profile associated with the vehicle and the usage profile associated with the covered parking location; and determine if (i) the insurance policy associated with the vehicle is eligible for insurance-related benefits based upon the usage profile associated with the vehicle, and (ii) the insurance policy associated with the covered parking location is eligible for insurance-related benefits based upon the usage profile associated with the covered parking location. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-implemented method for identifying a covered parking location, the method implemented using a vehicle computing device associated with a vehicle, the method comprising:
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transmitting, from the vehicle computing device to an insurance computing device, a registration request requesting that the insurance computing device register the vehicle with the insurance computing device as a possible vehicle requiring a protected parking location during inclement weather; receiving, in response to the registration request, a registration confirmation of the vehicle from the insurance computing device, wherein the registration confirmation includes an identification of an insurance policy associated with the vehicle and generation of a usage profile associated with the vehicle, wherein the usage profile includes a frequency of the vehicle being affected by inclement weather; receiving, by the vehicle comp ting device, weather data of a region that includes the vehicle, the weather data including at least one of current weather data and predicted weather data; determining from the weather data that the region will experience inclement weather within a predetermined period of time; receiving information of one or more covered parking locations located nearby the vehicle, the one or more covered parking locations located nearby the vehicle including the covered parking location; identifying the covered parking location, wherein the covered parking location includes an available parking spot; transmitting, by the vehicle computing device, a request to reserve the available parking spot to a CPL computing device associated with the covered parking location; receiving, by the vehicle computing device, a notification message granting access to the covered parking location for the vehicle; and transmitting the notification message to the insurance computing device, wherein the notification message prompts the insurance computing device to update the usage profile of the vehicle and determine if the insurance policy of the vehicle is eligible for insurance-related benefits based upon the updated usage profile of the vehicle. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification