Computerized method and system of determining right of way and liability for an accident
First Claim
1. A method of estimating liability for a vehicle accident, comprising:
- providing to a computer system a real set of characteristics of a real vehicle accident involving two or more vehicles, wherein the real set of characteristics of the real vehicle accident comprises;
an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the real vehicle accident; and
a roadway configuration for the real vehicle accident,wherein the computer system is configured to access a memory, and wherein the memory comprises sets of characteristics for past or theoretical vehicle accidents, wherein the past vehicle accidents are accidents that actually occurred in the past, wherein the theoretical vehicle accidents are accidents that might occur, wherein the set of characteristics for at least one of the past or theoretical vehicle accidents comprises;
an accident type for the past or theoretical vehicle accident, wherein the accident type for the past or theoretical vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the past or theoretical vehicle accident; and
a roadway configuration for the past or theoretical vehicle accident;
wherein each of at least two of the sets of characteristics for the past or theoretical vehicle accidents is associated with at least one base liability;
the computer system automatically determining a right of way in the real vehicle accident from at least one of;
the accident type for the real vehicle accident;
orthe roadway configuration for the real vehicle accident,and from at least one other characteristic of the real set of characteristics for the real vehicle accident;
the computer system correlating the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and to the sets of characteristics for the past or theoretical vehicle accidents to determine a set of characteristics from the past or theoretical vehicle accidents that most nearly matches the real set of characteristics for the real vehicle accident; and
the computer system estimating a base liability of an insured party associated with at least one of the vehicles in the real vehicle accident based on the correlation by the computer system of the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and the sets of characteristics for the theoretical vehicle accidents, wherein the computer system estimating a base liability comprises the computer system extracting, from a database table, at least one base liability associated with the nearest matching set of characteristics from among the sets of characteristics for the past or theoretical vehicle accidents.
1 Assignment
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Accused Products
Abstract
Methods and systems are provided for estimating liability and right of way in an accident. In one embodiment, liability estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. In addition, right of way estimation in a vehicle accident may be based on the plurality of characteristics that describe the accident. These characteristics may include: the configuration of the roadway, the type of accident, the traffic controls at the vehicle accident scene, and impact points of each vehicle. The characteristics from an actual accident may be compared to those in a past or theoretical accident. Liability may be estimated from a preassigned liability associated with a nearest matching past or theoretical accident. Right of way may be estimated from a predetermined right of way associated with the nearest matching past or theoretical accident. The liability estimate may include a base liability and one or more adjustments due to various factors.
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Citations
33 Claims
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1. A method of estimating liability for a vehicle accident, comprising:
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providing to a computer system a real set of characteristics of a real vehicle accident involving two or more vehicles, wherein the real set of characteristics of the real vehicle accident comprises; an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the real vehicle accident; and a roadway configuration for the real vehicle accident, wherein the computer system is configured to access a memory, and wherein the memory comprises sets of characteristics for past or theoretical vehicle accidents, wherein the past vehicle accidents are accidents that actually occurred in the past, wherein the theoretical vehicle accidents are accidents that might occur, wherein the set of characteristics for at least one of the past or theoretical vehicle accidents comprises; an accident type for the past or theoretical vehicle accident, wherein the accident type for the past or theoretical vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the past or theoretical vehicle accident; and a roadway configuration for the past or theoretical vehicle accident; wherein each of at least two of the sets of characteristics for the past or theoretical vehicle accidents is associated with at least one base liability; the computer system automatically determining a right of way in the real vehicle accident from at least one of; the accident type for the real vehicle accident;
orthe roadway configuration for the real vehicle accident, and from at least one other characteristic of the real set of characteristics for the real vehicle accident; the computer system correlating the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and to the sets of characteristics for the past or theoretical vehicle accidents to determine a set of characteristics from the past or theoretical vehicle accidents that most nearly matches the real set of characteristics for the real vehicle accident; and the computer system estimating a base liability of an insured party associated with at least one of the vehicles in the real vehicle accident based on the correlation by the computer system of the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and the sets of characteristics for the theoretical vehicle accidents, wherein the computer system estimating a base liability comprises the computer system extracting, from a database table, at least one base liability associated with the nearest matching set of characteristics from among the sets of characteristics for the past or theoretical vehicle accidents. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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32. A system for estimating liability for a vehicle accident, comprising:
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a CPU; a data memory coupled to the CPU; and a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for estimating liability, the method comprising; providing to the computer system a real set of characteristics of a real vehicle accident involving two or more vehicles, wherein the real set of characteristics of the real vehicle accident comprises; an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the real vehicle accident; and a roadway configuration for the real vehicle accident; wherein the data memory comprises sets of characteristics for past or theoretical vehicle accidents, wherein the past vehicle accidents are accidents that actually occurred in the past, wherein the theoretical vehicle accidents are accidents that might occur, wherein the set of characteristics for at least one of the past or theoretical vehicle accidents comprises; an accident type for the past or theoretical vehicle accident, wherein the accident type for the past or theoretical vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the past or theoretical vehicle accident; and a roadway configuration for the past or theoretical vehicle accident; wherein each of at least two of the sets of characteristics for the past or theoretical vehicle accidents is associated with at least one base liability; automatically determining a right of way in the real vehicle accident from at least one of; the accident type for the real vehicle accident;
orthe roadway configuration for the real vehicle accident, and from at least one other characteristic of the real set of characteristics for the real vehicle accident; correlating the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and the sets of characteristics for the past or theoretical vehicle accidents to determine a set of characteristics from the past or theoretical vehicle accidents that most nearly matches the real set of characteristics for the real vehicle accident; and estimating a base liability of an insured party associated with at least one of the vehicles in the real vehicle accident based on the correlation by the computer system of the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and the sets of characteristics for the past or theoretical vehicle accidents, wherein estimating the base liability comprises the computer system extracting, from a database table, at least one base liability associated with the nearest matching set of characteristics from among the sets of characteristics for the past or theoretical vehicle accidents.
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33. A computer-readable storage medium comprising program instructions stored thereon, wherein the program instructions are computer-executable to implement a method for estimating liability for a vehicle accident, the method comprising:
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providing to a computer system a real set of characteristics of a real vehicle accident involving two or more vehicles, wherein the real set of characteristics of the real vehicle accident comprises; an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the real vehicle accident; and a roadway configuration for the real vehicle accident; wherein the computer system is configured to access a memory, and wherein the memory comprises sets of characteristics for past or theoretical vehicle accidents, wherein the past vehicle accidents are accidents that actually occurred in the past, wherein the theoretical vehicle accidents are accidents that might occur, wherein the set of characteristics for at least one of the past or theoretical vehicle accidents comprises; an accident type for the past or theoretical vehicle accident, wherein the accident type for the past or theoretical vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the past or theoretical vehicle accident; and a roadway configuration for the past or theoretical vehicle accident; wherein each of at least two of the sets of characteristics for the past or theoretical vehicle accidents is associated with at least one base liability; automatically determining a right of way in the real vehicle accident from at least one of; the accident type for the real vehicle accident;
orthe roadway configuration for the real vehicle accident, and from at least one other characteristic of the real set of characteristics for the real vehicle accident; and correlating the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and the sets of characteristics for the past or theoretical vehicle accidents to determine a set of characteristics from the past or theoretical vehicle accidents that most nearly matches the real set of characteristics for the real vehicle accident; and estimating a base liability of an insured party associated with at least one of the vehicles in the real vehicle accident based on the correlation by the computer system of the determined right of way for the real vehicle accident and the real set of characteristics for the real vehicle accident to a right of way for the past or theoretical vehicle accidents and the sets of characteristics for the past or theoretical vehicle accidents, wherein estimating a base liability comprises the computer system extracting, from a database table, at least one base liability associated with the nearest matching set of characteristics from among the sets of characteristics for the past or theoretical vehicle accidents.
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Specification