SYSTEMS AND METHODS FOR ADJUSTING INSURANCE PROCESSES USING DATA FROM TELEMATICS-ENABLED PORTABLE DEVICES
First Claim
1. A system for adjusting a vehicle insurance process based on telematics data from a telematics enabled portable personal communications device, comprising:
- a communications interface configured to;
receive, from a portable personal communications device, telematics data, the device having an orientation fixed with respect to a vehicle and being in communication with a vehicle computer of the vehicle, the telematics data being from at least one of a telematics sensor of the portable personal communications device and the vehicle computer; and
an insurance computer system in communication with the communications interface and configured to;
receive the telematics data from the communications interface; and
adjust a vehicle insurance process based on the data indicative of the telematics data.
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Accused Products
Abstract
Systems and methods are disclosed herein for transmitting telematics data from a vehicle. The systems include a smartphone holder that provides a communications link between a smartphone and a vehicle computer, through the smartphone dataport and the vehicle onboard diagnostics (OBD) port. The smartphone holder is configured to keep the smartphone in a stable, known position and orientation with respect to the vehicle, such that data from an accelerometer in the smartphone can be calibrated. The smartphone accelerometer data and telematics data from vehicle telematics sensors is then transmitted via the smartphone or stored locally.
32 Citations
20 Claims
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1. A system for adjusting a vehicle insurance process based on telematics data from a telematics enabled portable personal communications device, comprising:
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a communications interface configured to; receive, from a portable personal communications device, telematics data, the device having an orientation fixed with respect to a vehicle and being in communication with a vehicle computer of the vehicle, the telematics data being from at least one of a telematics sensor of the portable personal communications device and the vehicle computer; and an insurance computer system in communication with the communications interface and configured to; receive the telematics data from the communications interface; and adjust a vehicle insurance process based on the data indicative of the telematics data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-implemented method for adjusting a vehicle insurance process based on telematics data from a telematics enabled portable personal communications device, comprising:
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receiving, by a communications interface, telematics data from a portable personal communications device, the device having an orientation fixed with respect to a vehicle and being in communication with a vehicle computer of the vehicle, the telematics data being from at least one of a telematics sensor of the portable personal communications device and the vehicle computer; receiving, by an insurance computer system in communication with the communications interface, the telematics data from the communications interface; and adjusting, by the insurance computer system, an insurance process based on the data indicative of the telematics data. - View Dependent Claims (14, 15, 16, 17)
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18. A system for adjusting a vehicle insurance process based on telematics data from a telematics enabled portable personal communications device, comprising:
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a computer server including one or more data storage devices storing, and configured to permit download of, processor-executable instructions, which instructions, when executed by a processor of a portable personal communications device, cause the portable personal communications device to, when fixed in orientation with respect to a vehicle and in communication with a vehicle computer; transmit telematics data and orientation data, the telematics data being from at least one of a telematics sensor of the portable personal communications device and the vehicle computer; a communications interface configured to receive at least the telematics data; and an insurance computer system in communication with the communications interface and configured to; receive the telematics data from the communications interface; and adjust a vehicle insurance process based on the data indicative of the telematics data. - View Dependent Claims (19, 20)
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Specification