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;
receiving, by the first wireless computing device and from an 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;
discovering, by the first wireless computing device, a second wireless computing device, the discovering including receiving, by the first wireless computing device, a response from the second wireless computing device;
responsive to discovery of the second wireless computing device;
activating 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,receiving, from the second wireless computing device, second insurance information and second vehicle operation data, andtransmitting, 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; and
identifying, by the insurance system, an at-fault participant for the collision event based on the third vehicle operation data.
1 Assignment
0 Petitions
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.
225 Citations
20 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; receiving, by the first wireless computing device and from an 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; discovering, by the first wireless computing device, a second wireless computing device, the discovering including receiving, by the first wireless computing device, a response from the second wireless computing device; responsive to discovery of the second wireless computing device; activating 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, receiving, from the second wireless computing device, second insurance information and second vehicle operation data, and transmitting, 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; and identifying, 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, 9, 10)
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11. 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; receive, from an insurance system, first insurance information; responsive to detection of the collision event, initiate a discovery mode in order to determine whether a second wireless computing device within a vicinity of the collision event has also detected at least one collision event; discover the second wireless computing device, the discovering including receiving a response from the second wireless computing device; responsive to discovering the second wireless computing device; activating a communication session between the wireless computing device and the second wireless computing device, initiating an exchange of the first insurance information and vehicle operation data with the second wireless computing device, and transmitting, to the insurance system, the exchanged vehicle operation data; and 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 (12, 13, 14, 15, 16, 17, 18)
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19. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed by a computing device, cause the computing device to:
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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; receive, from an insurance system, first insurance information; responsive to detection of the collision event, initiate a discovery mode in order to determine whether a second wireless computing device within a vicinity of the collision event has also detected at least one collision event; discover the second wireless computing device, the discovering including receiving a response from the second wireless computing device; responsive to discovering the second wireless computing device; activating a communication session between the computing device and the second wireless computing device, initiating an exchange of the first insurance information and vehicle operation data with the second wireless computing device, and transmitting, to the insurance system, the exchanged vehicle operation data; and 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 (20)
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Specification