Method and System For Remotely Verifying Weather Damage to a Vehicle

• US 20150348203A1
• Filed: 06/03/2014
• Published: 12/03/2015
• Est. Priority Date: 06/03/2014
• Status: Active Grant

• Current Assignee: Verizon Patent and Licensing Incorporated (Verizon Communications Inc.)
• Original Assignee: HTI IP LLC (Verizon Communications Inc.)
• Inventors: Taylor, Thomas Steven
• Granted Patent: US 9,846,913 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G01S 19/14 specially adapted for specific applications
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system comprises a weather data network configured receive a severe weather profile including severe weather duration data, severe weather geographic boundary data, and severe weather type data. The system receives an automotive sensor profile for at least one individual vehicle including individual vehicle geographic location data. The system determines and stores a vehicle exposure profile for the at least one individual vehicle including proximity of said individual vehicle geographic location data to the severe weather geographic boundary data.

Claims

1. A system, comprising:

a risk data computing apparatus including at least one processor and a memory, and configured to;

receive a severe weather profile including severe weather duration data, severe weather geographic boundary data, and severe weather type data;

receive an automotive sensor profile for at least one individual vehicle, said automotive sensor profile including individual vehicle geographic location data;

determine a vehicle exposure profile for said at least one individual vehicle, said vehicle exposure profile including proximity of said individual vehicle geographic location data to said severe weather geographic boundary data; and

store said vehicle exposure profile.

2. A system according to claim 1, wherein said risk data computing apparatus is further configured to:

receive an insurance claim profile including at least one insurance claim; and

determine an insurance exposure profile for said at least one individual vehicle using said vehicle exposure profile and said insurance claim profile.

3. A system according to claim 1, wherein said automotive sensor profile includes at least one of vibration sensor data and audio sensor data.

4. A system according to claim 3, further comprising:

an automotive data system in communication with said risk data computing apparatus, said automotive data system configured to;

activate at least one automotive sensor in response to said vehicle exposure profile indicating said individual vehicle geographic location is within said severe weather geographic boundary data.

5. A system according to claim 2, wherein said risk data computing apparatus is further configured to:

determine the validity of said at least one insurance claim using said insurance exposure profile.

6. A system according to claim 1, wherein said risk data computing apparatus is further configured to:

contact an individual associated with said at least one individual vehicle in response to said vehicle exposure profile indicating said individual vehicle geographic location is within or approaching said severe weather geographic boundary data.

7. A system according to claim 3, wherein said risk data computing apparatus is further configured to:

determine insurance risk exposure profile for said at least one individual vehicle using said vehicle exposure profile when said vehicle exposure profile indicates said individual vehicle geographic location is within or approaching said severe weather geographic boundary data; and

assign insurance risk avoidance profile when said automotive sensor profile indicates said at least one individual vehicle is not operating within said severe weather geographic boundary data.

8. A system according to claim 7, wherein said risk data computing apparatus is further configured to:

implement a premium discount to said at least one individual vehicle assigned said risk avoidance profile.

9. A system according to claim 5, wherein said insurance claim profile includes similar insurance claims filed in geographic proximity to said at least one insurance claim.

10. A computer-readable medium comprising instructions executable by a processor tangibly embodied thereon, the instructions including instructions for:

receiving a severe weather profile including severe weather duration data, severe weather geographic boundary data, and severe weather type data;

receiving an automotive sensor profile for at least one individual vehicle, said automotive sensor profile including individual vehicle geographic location data and at least one of anti-lock brake data, vehicle motion data, vehicle speed data, vehicle telemetry data, airbag activation data, vibration sensor data, external temperature data, road condition data, and audio sensor data;

computing a vehicle exposure profile for said at least one individual vehicle, said vehicle exposure profile including proximity of said individual vehicle geographic location data to said severe weather geographic boundary data;

computing an risk exposure profile for said at least one individual vehicle using said vehicle exposure profile when said vehicle exposure profile indicates said individual vehicle geographic location is within or approaching said severe weather geographic boundary data, said risk exposure profile including said automotive sensor profile and said severe weather profile; and

storing said risk exposure profile.

11. A computer-readable medium according to claim 10, further including instructions for:

activating at least one automotive sensor in response to said vehicle exposure profile indicating said individual vehicle geographic location is within said severe weather geographic boundary data.

12. A computer-readable medium according to claim 10, further including instructions for:

receiving an insurance claim profile including at least one insurance claim, said risk exposure profile including said insurance claim profile.

13. A computer-readable medium according to claim 12, further including instructions for:

determining the validity of said at least one insurance claim using said risk exposure profile.

14. A computer-readable medium according to claim 10, further including instructions for:

contacting an individual associated with said at least one individual vehicle in response to said vehicle exposure profile indicating said individual vehicle geographic location is within or approaching said severe weather geographic boundary data.

15. A computer-readable medium according to claim 10, further including instructions for:

assigning insurance risk avoidance profile when said automotive sensor profile indicates said at least one individual vehicle is safely operating within said severe weather geographic boundary data.

16. A computer-readable medium according to claim 15, further including instructions for:

implementing a premium discount to said at least one individual vehicle assigned said risk avoidance profile.

17. A method, comprising:

receiving a severe weather profile including severe weather duration data, severe weather geographic boundary data;

receiving an automotive sensor profile for at least one individual vehicle, said automotive sensor profile including individual vehicle geographic location data;

establishing a vehicle exposure profile for said at least one individual vehicle, said vehicle exposure profile including proximity of said individual vehicle geographic location data to said severe weather geographic boundary data; and

instituting an insurance exposure profile for said at least one individual vehicle using said vehicle exposure profile when said vehicle exposure profile indicates said individual vehicle geographic location is within or approaching said severe weather geographic boundary data.

18. A method according to claim 17, further comprising:

receiving an insurance claim profile including at least one insurance claim, said insurance exposure profile including said insurance claim profile.

19. A method according to claim 18, further comprising:

determining the validity of said at least one insurance claim using said insurance exposure profile.

20. A method according to claim 18, further comprising:

assigning an insurance avoidance profile when said automotive sensor profile indicates said at least one individual vehicle is not operating within said severe weather geographic boundary data; and

implementing a premium discount to said at least one individual vehicle assigned said insurance avoidance profile.