SYSTEM AND METHOD FOR MONITORING DRIVING TO DETERMINE AN INSURANCE PROPERTY
First Claim
1. A computer readable storage medium comprising program code for causing one or more processors to perform a method, the method comprising:
- receiving sensor data from a portable electronic device regarding a driving event involving a first vehicle, wherein the sensor data is provided by the portable electronic device in response to a user initiating a command to report the driving event, the portable electronic device being external to the first vehicle;
identifying, based on the sensor data, one or more of the first vehicle and a driver of the first vehicle;
determining risk data associated with one or more of the first vehicle and the driver based on the driving event; and
automatically updating an insurance property of an insurance policy associated with one or more of the first vehicle and the driver based on the risk data.
4 Assignments
0 Petitions
Accused Products
Abstract
A method for determining a property of an insurance policy includes receiving sensor data from a portable electronic device regarding a driving event involving a first vehicle. The sensor data is provided by the portable electronic device in response to a user initiating a command to report the driving event. The portable electronic device is external to the first vehicle. The method includes identifying, based on the sensor data, one or more of the first vehicle and a driver of the first vehicle. The method includes determining risk data associated with one or more of the first vehicle and the driver based on the driving event. The method further includes automatically updating an insurance property of an insurance policy associated with one or more of the first vehicle and the driver based on the risk data.
112 Citations
208 Claims
-
1. A computer readable storage medium comprising program code for causing one or more processors to perform a method, the method comprising:
-
receiving sensor data from a portable electronic device regarding a driving event involving a first vehicle, wherein the sensor data is provided by the portable electronic device in response to a user initiating a command to report the driving event, the portable electronic device being external to the first vehicle; identifying, based on the sensor data, one or more of the first vehicle and a driver of the first vehicle; determining risk data associated with one or more of the first vehicle and the driver based on the driving event; and automatically updating an insurance property of an insurance policy associated with one or more of the first vehicle and the driver based on the risk data. - View Dependent Claims (2, 3, 6, 7, 10, 12, 13, 14, 21, 53, 56, 57, 70, 72, 73, 79, 85, 90, 93, 99, 111, 113, 116, 117, 118, 120, 124, 125, 126, 127)
-
-
4-5. -5. (canceled)
-
8-9. -9. (canceled)
-
11. (canceled)
-
15-20. -20. (canceled)
-
22-52. -52. (canceled)
-
54-55. -55. (canceled)
-
58-69. -69. (canceled)
-
71. (canceled)
-
74-78. -78. (canceled)
-
80-84. -84. (canceled)
-
86-89. -89. (canceled)
-
91-92. -92. (canceled)
-
94-98. -98. (canceled)
-
100-110. -110. (canceled)
-
112. (canceled)
-
114-115. -115. (canceled)
-
119. (canceled)
-
121-123. -123. (canceled)
-
128-136. -136. (canceled)
-
137. A portable electronic device, comprising:
-
one or more sensors configured to acquire sensor data related to driving events involving one or more vehicles; an interface component configured to receive a user command to report a driving event involving a first vehicle, the portable electronic device being external to the first vehicle; an annotation component configured to annotate at least a portion of the sensor data to indicate a time and a location of the driving event involving the first vehicle; and a transmission component configured to send the annotated portion of the sensor data to an insurance risk entity that uses the sensor data to determine a risk of insuring one or more of the first vehicle and a driver of the first vehicle. - View Dependent Claims (138, 149, 152, 153, 159, 199, 203, 204, 207)
-
-
139-148. -148. (canceled)
-
150-151. -151. (canceled)
-
154-158. -158. (canceled)
-
160-198. -198. (canceled)
-
200-202. -202. (canceled)
-
205-206. -206. (canceled)
-
208-215. -215. (canceled)
Specification