RECORDING AND REPORTING OF DRIVING CHARACTERISTICS
First Claim
Patent Images
1. A method of recording vehicle usage comprising the steps of:
- sensing data indicative of a vehicle operation characteristic, including a duration of time that the vehicle operates within a local postal code;
formulating the data and storing the data in a memory module;
extracting the data responsive to a triggering event, wherein the data is extracted to an externally located process server; and
reviewing a summary of data by a vehicle user prior to transmitting that data to a central processing device to determine a desirability of submitting that data for determination of an insurance premium.
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Abstract
A system for recording, transmitting and compiling information indicative of actual vehicle operation and usage includes a device installed within a vehicle. Sensors communicate with the device to provide information relating to operation of the vehicle. A location module utilizes satellite signals to determine the current location of a vehicle. A data extraction module sends data to a central process server. The central processor compiles and summarizes the information from the device for determination of vehicle usage for use in determining an insurance premium.
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Citations
18 Claims
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1. A method of recording vehicle usage comprising the steps of:
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sensing data indicative of a vehicle operation characteristic, including a duration of time that the vehicle operates within a local postal code; formulating the data and storing the data in a memory module; extracting the data responsive to a triggering event, wherein the data is extracted to an externally located process server; and reviewing a summary of data by a vehicle user prior to transmitting that data to a central processing device to determine a desirability of submitting that data for determination of an insurance premium. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A device for gathering vehicle usage data for use in determining a vehicle insurance cost comprising:
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a memory module for storing data indicative of vehicle operating characteristics; a receiver for receiving satellite signals indicative of a vehicle position; a power module including a connection to an external power source, and an internal power source for powering said device independent of the external power source; a first sensor disposed within the device for detecting motion of said device; an accelerometer disposed within the device for detecting vehicle acceleration; a controller for governing the gathering of data stored within said memory module according to a desired detail level of vehicle operating characteristics, wherein the controller gathers data according to at least two selectable levels of detail including a first detail level that obtains data at a detail level less than a second detail level; and a data extraction module for forwarding data for use in determining a vehicle insurance cost. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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Specification