Methods Using a Mobile Device to Provide Data for Insurance Premiums to a Remote Computer
First Claim
1. A method for providing vehicle operation data to a remote computer for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
- collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and
transmitting the collected vehicle operation data from the mobile device to a remote computer.
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Accused Products
Abstract
A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.
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Citations
15 Claims
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1. A method for providing vehicle operation data to a remote computer for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
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collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 12, 13, 14, 15)
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11. A method for providing vehicle operation data to a remote computer for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
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collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; transmitting the collected vehicle operation data from the mobile device to a remote computer; loading a set of instructions onto a tangible readable storage medium of the mobile device, wherein the instructions, when executed by a processor of the mobile device, perform the following steps; collecting vehicle operation data via the mobile device while a vehicle is in operation, the collecting comprising;
using one or more sensors associated with a mobile device to automatically collect driving data during a data collection session, and using one or more processors to execute computer readable instructions stored in non-transitory memory to calculate, based at least on the collected driving data, one or more metrics related to the driver'"'"'s driving behavior;beginning to collect vehicle operation data in response to a triggering event selected from vehicle engine start, threshold vehicle engine RPM, and vehicle mobility; stopping the collecting vehicle operation data in response to a triggering event selected from vehicle engine stop, threshold vehicle engine RPM, and vehicle immobility; transmitting the collected vehicle operation data, including the one or more metrics, from the mobile device to a remote processing computer; transmitting data from the remote processing computer to the mobile device, wherein the data comprises insurance premium information; and displaying the transmitted data on the mobile device.
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Specification