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Determining corrective actions based upon broadcast of telematics data originating from another vehicle

  • US 9,836,963 B1
  • Filed: 01/07/2016
  • Issued: 12/05/2017
  • Est. Priority Date: 01/20/2015
  • Status: Active Grant
First Claim
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1. A destination mobile computing device configured to receive telematics data when the destination mobile computing device is traveling in a destination vehicle associated with a driver, and to take corrective action when a travel event exists, the destination mobile computing device comprising:

  • a memory unit configured to store computer-readable instructions;

    a transceiver configured to receive (i) telematics data generated by one or more sensors that are incorporated as part of an originating mobile computing device, or (ii) a telematics-related message via a data transmission or wireless communication,the telematics data being generated when the one or more sensors indicate that the originating mobile computing device is stationary with respect to an originating vehicle and is located within the originating vehicle, and the telematics-related message being generated by and transmitted from the originating mobile computing device and being indicative of a travel event at a location of the originating mobile computing device based upon the generated telematics data; and

    a processor interconnected or in communication with the memory unit and the transceiver, the processor being configured to;

    (i) analyze the telematics data or the telematics-related message and determine or identify that a travel event exists that is associated with the originating vehicle; and

    (ii) when the travel event is determined to exist, determine whether the travel event is relevant to the destination vehicle or to a route that the destination vehicle is presently traveling by determining whether a location of the originating vehicle as determined based upon the telematics data or the telematics-related message is within a threshold distance of a current location of the destination mobile computing device; and

    (iii) when the travel event is relevant to the destination vehicle, to direct corrective action and display insurance policy pricing adjustment information associated with the driver that is based upon a driver risk due to the identified travel event, so as to promote or reward risk averse behavior and safer driving via the displayed insurance policy pricing adjustment information, andwherein the telematics data is indicative of acceleration, braking, cornering, and a location of the originating vehicle.

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