Method and System to Determine Auto Insurance Risk
First Claim
1. A method for providing insurance underwriting using user-centric data, which comprises:
- receiving data reported from an application running on a telematics unit or a mobile device;
matching the received data to known locations; and
generating a score based on the reported data and the matched data.
2 Assignments
0 Petitions
Accused Products
Abstract
A method for providing insurance underwriting using user-centric data includes receiving data reported from an application running on a telematics unit or a mobile device, matching the received data to known locations, and generating a score based on the reported data and the matched data. The reported data and the matched data are used to determine miles traveled. A valid trip is determined. A valid driver is determined to associate with the valid trip. A sum of valid trips is determined over a period of time. Location data for the mobile device or the telematics unit is determined. The location data is determined using network-based resources. The location data is determined using the mobile device or the telematics unit. The location data can be determined using a combination of network-based resources and the mobile device or the telematics unit. A change in location is categorized into a trip signature.
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Citations
20 Claims
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1. A method for providing insurance underwriting using user-centric data, which comprises:
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receiving data reported from an application running on a telematics unit or a mobile device; matching the received data to known locations; and generating a score based on the reported data and the matched data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification