Systems and methods associated with insurance for electric vehicles
First Claim
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1. A computer system for processing data relating to insurance coverage and electric vehicle data, comprising:
- a data storage device storing electric vehicle information, including electric vehicle charging information, relating to electric vehicles of a fleet of vehicles of an insured enterprise, the electric vehicle charging information comprising;
geographic location of an electric charging station;
a date and time;
an amount of electric charge provided; and
an electric vehicle identifier;
a computer processor in communication with the data storage device and configured to execute program instructions and to retrieve the electric vehicle information from the data storage device;
a memory, coupled to the computer processor, storing first program instructions for execution by the computer processor, the first program instructions causing the computer processor to;
communicate with an insurance engine comprising program instructions stored in the memory for generating automobile insurance premium information of the insured enterprise;
determining an automobile insurance premium amount for insurance coverage of the insured enterprise covering risks of the electric vehicles, the automobile insurance premium amount being based in part on the geographic location of an electric charging station contained in the electric vehicle charging information and a loss risk score for a geographical location corresponding to the geographic location of the electric charging station contained in the electric vehicle charging information.
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Abstract
Pursuant to some embodiments, insurance systems, methods and devices are provided in which electric vehicle information, including electric vehicle charging information, may be received over a communications network. The electric vehicle charging information may be automatically associated with automobile insurance premium information. An integrated presentation of the electric vehicle charging information and the automobile insurance premium information may then be transmitted, over the communications network, for presentation to an owner of the electric vehicle.
30 Citations
14 Claims
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1. A computer system for processing data relating to insurance coverage and electric vehicle data, comprising:
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a data storage device storing electric vehicle information, including electric vehicle charging information, relating to electric vehicles of a fleet of vehicles of an insured enterprise, the electric vehicle charging information comprising;
geographic location of an electric charging station;
a date and time;
an amount of electric charge provided; and
an electric vehicle identifier;a computer processor in communication with the data storage device and configured to execute program instructions and to retrieve the electric vehicle information from the data storage device; a memory, coupled to the computer processor, storing first program instructions for execution by the computer processor, the first program instructions causing the computer processor to; communicate with an insurance engine comprising program instructions stored in the memory for generating automobile insurance premium information of the insured enterprise; determining an automobile insurance premium amount for insurance coverage of the insured enterprise covering risks of the electric vehicles, the automobile insurance premium amount being based in part on the geographic location of an electric charging station contained in the electric vehicle charging information and a loss risk score for a geographical location corresponding to the geographic location of the electric charging station contained in the electric vehicle charging information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computerized method, comprising:
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receiving by a computer processor, via a communications network, electric vehicle information, including electric vehicle charging information, relating to electric vehicles of a fleet of vehicles of an insured enterprise, the electric vehicle charging information comprising;
geographic location of an electric charging station;
a date and time;
an amount of electric charge provided; and
an electric vehicle identifier;associating, by the computer processor, the electric vehicle charging information with automobile insurance premium information relating to insurance coverage for the electric vehicles of the fleet of vehicles of the insured enterprise; storing, in a storage device, the associated electric vehicle charging information and automobile insurance premium information; determining, by the computer processor, an automobile insurance premium amount based at least in part on the geographic location of an electric vehicle charging station of the stored electric vehicle charging information, a loss risk score for a geographical location corresponding to the geographic location of the electric charging station contained in the electric vehicle charging information and the automobile insurance premium information; and transmitting, over the communications network, data generated by the computer processor and representative of the electric vehicle charging information and the determined automobile insurance premium amount for display to a representative of the insured enterprise. - View Dependent Claims (11, 12, 13, 14)
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Specification