Methods of reconstructing an accident scene using telematics data
First Claim
1. A computer-implemented method of accident scene reconstruction, the method comprising:
- generating, by one or more sensors of a mobile computing device associated with a driver, accident data associated with a vehicle during a time period including a vehicle accident, the accident data including vehicle telematics data from the one or more sensors indicating acceleration or velocity of the vehicle, and the accident data including audio or video data associated with the interior of the vehicle from the one or more sensors;
collecting, by one or more remote servers associated with an insurance provider from an application of the mobile computing device, the accident data, wherein the accident data is associated with the driver, and the driver being associated with an insurance policy issued by the insurance provider;
analyzing, by the one or more remote servers, the accident data to determine (i) vehicle movement at a plurality of times associated with the vehicle accident based upon the vehicle telematics data and (ii) mobile phone usage by the driver during the vehicle accident based upon the audio or video data;
determining, by the one or more remote servers and based upon the analysis of the accident data, a sequence of events occurring one or more of before, during, or after the vehicle accident;
generating, by the one or more remote servers and based upon the determined sequence of events, a virtual reconstruction of one or both of (i) the vehicle accident and (ii) a scene of the vehicle accident;
determining, by the one or more remote servers and based upon the virtual reconstruction and the mobile phone usage by the driver, fault of the driver for the vehicle accident; and
using the determined fault of the driver to handle, at the one or more remote servers, an insurance claim associated with the vehicle accident.
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Accused Products
Abstract
In systems and methods for accident scene reconstruction, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may be analyzed and, based upon the analysis of the accident data, a sequence of events occurring before, during, and/or after the vehicle accident may be determined. Based upon the determined sequence of events, a virtual reconstruction of the vehicle accident and/or a scene of the vehicle accident may be generated. The virtual reconstruction may include images of vehicles and/or road, weather, traffic, or construction conditions at the time of the accident. Based upon the virtual reconstruction, fault of the driver, or lack thereof, for the accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident.
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Citations
18 Claims
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1. A computer-implemented method of accident scene reconstruction, the method comprising:
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generating, by one or more sensors of a mobile computing device associated with a driver, accident data associated with a vehicle during a time period including a vehicle accident, the accident data including vehicle telematics data from the one or more sensors indicating acceleration or velocity of the vehicle, and the accident data including audio or video data associated with the interior of the vehicle from the one or more sensors; collecting, by one or more remote servers associated with an insurance provider from an application of the mobile computing device, the accident data, wherein the accident data is associated with the driver, and the driver being associated with an insurance policy issued by the insurance provider; analyzing, by the one or more remote servers, the accident data to determine (i) vehicle movement at a plurality of times associated with the vehicle accident based upon the vehicle telematics data and (ii) mobile phone usage by the driver during the vehicle accident based upon the audio or video data; determining, by the one or more remote servers and based upon the analysis of the accident data, a sequence of events occurring one or more of before, during, or after the vehicle accident; generating, by the one or more remote servers and based upon the determined sequence of events, a virtual reconstruction of one or both of (i) the vehicle accident and (ii) a scene of the vehicle accident; determining, by the one or more remote servers and based upon the virtual reconstruction and the mobile phone usage by the driver, fault of the driver for the vehicle accident; and using the determined fault of the driver to handle, at the one or more remote servers, an insurance claim associated with the vehicle accident. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for accident scene reconstruction, the system comprising:
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one or more processors; and one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to; generate accident data associated with a vehicle during a time period including a vehicle accident using one or more sensors of a mobile computing device associated with a driver, the accident data including vehicle telematics data from the one or more sensors indicating acceleration or velocity of the vehicle, and the accident data including audio or video data associated with the interior of the vehicle from the one or more sensors, collect the accident data from an application of the mobile computing device, wherein the accident data is associated with the driver, and the driver being associated with an insurance policy issued by an insurance provider, analyze the accident data to determine (i) vehicle movement at a plurality of times associated with the vehicle accident based upon the vehicle telematics data and (ii) mobile phone usage by the driver during the vehicle accident based upon the audio or video data, determine, based upon the analysis of the accident data, a sequence of events occurring one or more of before, during, or after the vehicle accident, generate, based upon the determined sequence of events, a virtual reconstruction of one or both of (i) the vehicle accident and (ii) a scene of the vehicle accident, determine, based upon the virtual reconstruction and the mobile phone usage by the driver, fault of the driver for the vehicle accident, and use the determined fault of the driver to handle an insurance claim associated with the vehicle accident. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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Specification