Carsharing peril analysis
First Claim
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1. A method comprising:
- providing a sensor for sensing by a vehicle whether a mobile device is inside the vehicle not owned by a renter;
downloading a driver score and driving limits of the renter to the mobile device from a cloud network;
limiting operation of the vehicle not owned by the renter by the driving limits;
calculating by the mobile device carsharing insurance options to the renter based on the driver score;
electronically displaying on the mobile device the carsharing insurance options;
determining by the mobile device whether a current insurance coverage of the vehicle enables operation of the vehicle;
electronically generating and presenting a user interface for displaying whether the current insurance coverage enables operation of the vehicle;
electronically generating and presenting another user interface for soliciting purchase of carsharing insurance options to continue;
electronically presenting a price for each carsharing insurance option; and
electronically facilitating operation of the vehicle if the renter has selected to purchase a carsharing insurance option that provides insurance coverage for the vehicle to operate said vehicle.
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Abstract
Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle'"'"'s occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.
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Citations
12 Claims
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1. A method comprising:
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providing a sensor for sensing by a vehicle whether a mobile device is inside the vehicle not owned by a renter; downloading a driver score and driving limits of the renter to the mobile device from a cloud network; limiting operation of the vehicle not owned by the renter by the driving limits; calculating by the mobile device carsharing insurance options to the renter based on the driver score; electronically displaying on the mobile device the carsharing insurance options; determining by the mobile device whether a current insurance coverage of the vehicle enables operation of the vehicle; electronically generating and presenting a user interface for displaying whether the current insurance coverage enables operation of the vehicle; electronically generating and presenting another user interface for soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if the renter has selected to purchase a carsharing insurance option that provides insurance coverage for the vehicle to operate said vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A non-transitory computer-readable medium having computer-executable instructions stored thereon for implementing a method, comprising:
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providing a sensor for sensing by a vehicle whether a mobile device is inside the vehicle not owned by a renter; downloading a driver score and driving limits of the renter to the mobile device from a cloud network; limiting operation of the vehicle not owned by the renter by the driving limits; calculating by the mobile device carsharing insurance options to the renter based on the driver score; electronically displaying on the mobile device the carsharing insurance options; determining by the mobile device whether a current insurance coverage of the vehicle enables operation of the vehicle; electronically generating and presenting a user interface for displaying whether the current insurance coverage enables operation of the vehicle; electronically generating and presenting another user interface for soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if the renter has selected to purchase a carsharing insurance option that provides insurance coverage of the vehicle to operate said vehicle.
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Specification