System and method for facilitating vehicle insurance services

• US 9,996,885 B1
• Filed: 08/31/2015
• Issued: 06/12/2018
• Est. Priority Date: 03/15/2013
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Mullen, Christina P., Leise, William J., Graff, Douglas Albert
• Primary Examiner(s): Antonucci, Anne M
• Application Number:
  US14/841,200
• Time in Patent Office: 1,016 Days
• Field of Search: 701 314
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system and method to facilitate providing vehicle insurance services includes providing a specialty vehicle data identifier template for facilitating translation of a vehicle data identifier used to identify a vehicle, the specialty vehicle data identifier template including a plurality of segments, each segment of the plurality of segments representative of a vehicle attribute; receiving a request of a database for vehicle attribute data based on a search term, identifying each vehicle data identifier stored in the database including vehicle attribute data that substantially matches at least a portion the search term, compiling an output including any identified vehicle data identifier, and providing the output in an accessible format in response to the request for information.

Claims

1. A method implemented with a computer system for facilitating vehicle insurance services provided by a casualty insurance provider, the method comprising:

providing a specialty vehicle data identifier template for facilitating translation of a specialty vehicle data identifier used to identify vehicles, the specialty vehicle data identifier template including a plurality of segments, each segment of the plurality of segments capable of including a code representative of a vehicle attribute, wherein the vehicle attribute of at least one segment includes actuarial data of a vehicle type including historical collision information of the vehicle type;

receiving, by one or more processors via sensors coupled to a vehicle included within the vehicle type, crash information involving the vehicle;

correlating, by the one or more processors, the received crash information with one or more segments of the plurality of segments of the specialty vehicle data identifier template including the historical collision information of the vehicle type;

utilizing the specialty vehicle data identifier to store, by the one or more processors, the correlated received crash information in a memory;

associating, by the one or more processors, the correlated one or more segments of the received crash information with one or more discrete vehicle data identifiers stored in the memory;

receiving, by the one or more processors, a request for information stored in the memory based on a search term including the code representative of the vehicle attribute;

identifying, by the one or more processors, each specialty vehicle data identifier stored in the memory including the code that substantially matches at least a portion of the search term;

compiling, by the one or more processors, an output including any identified specialty vehicle data identifier; and

providing, by the one or more processors, the output in an accessible format in response to the request for information.

2. The method of claim 1, wherein receiving crash information includes receiving vehicle information from a generally public source.

3. The method of claim 1, wherein receiving crash information includes receiving vehicle information from a generally non-public source.

4. The method of claim 1, wherein providing the output in an accessible format includes identifying a vehicle owner associated with one of the identified specialty vehicle data identifiers.

5. The method of claim 4, further comprising:

providing information including at least a portion of the output to the identified vehicle owner.

6. The method of claim 5, wherein providing information including at least a portion of the output to the identified vehicle owner comprises:

sending an electronic message to the identified vehicle owner or group of identified vehicle owners.

7. The method of claim 1, further comprising:

evaluating the output and identifying a vehicle owner associated with one of the identified specialty vehicle data identifiers substantially matching at least a portion of the search term; and

advising the identified vehicle owner of an insurance rating based on the evaluated output.

8. The method of claim 1, further comprising:

evaluating the output and identifying a vehicle owner associated with one of the identified specialty vehicle data identifiers substantially matching at least a portion the search term; and

advising the identified vehicle owner of a vehicle product and/or a vehicle service based on the evaluated output.

9. The method of claim 1, further comprising:

evaluating the output and identifying a vehicle owner associated with one of the identified specialty vehicle data identifiers substantially matching at least a portion of the search term; and

advising the identified vehicle owner of a vehicle alert notice based on the evaluated output.

10. A system for facilitating vehicle insurance services provided by a casualty insurance provider, the system comprising:

a specialty vehicle data identifier template for facilitating translation of a specialty vehicle data identifier used to identify vehicles, the specialty vehicle data identifier template including a plurality of segments, each segment of the plurality of segments capable of including a code representative of a vehicle attribute, wherein the vehicle attribute of at least one segment includes actuarial data of a vehicle type including historical collision information of the vehicle type;

a memory including vehicle information associated with one or more segments of the specialty vehicle data identifier template;

a user interface module; and

one or more processors coupled to the memory and the user interface module, the one or more processors configured to;

receive, via sensors coupled to a vehicle included within the vehicle type, crash information involving the vehicle;

correlate the received crash information with one or more segments of the plurality of segments of the specialty vehicle data identifier template including the historical collision information of the vehicle type;

utilize the specialty vehicle data identifier to store the correlated received crash information in the memory;

associate the correlated one or more segments of the received crash information with one or more discrete vehicle data identifiers stored in the memory;

receive a request for information stored in the memory based on a search term including the code representative of the vehicle attribute;

identify each specialty vehicle data identifier stored in the memory including the code that substantially matches at least a portion of the search term;

compile an output including any identified specialty vehicle data identifiers; and

provide the output in an accessible format in response to the request for vehicle information.

11. The system of claim 10, wherein a fully populated specialty vehicle data identifier corresponds to a unique vehicle and wherein a partially populated specialty vehicle data identifier corresponds to a group of vehicles having at least one vehicle attribute in common.

12. A tangible non-transitory computer-readable medium having instructions stored in a memory of a computer system for facilitating vehicle insurance services provided by a casualty insurance provider, the computer system including a specialty vehicle data identifier template for facilitating translation of a specialty vehicle data identifier used to identify vehicles, the specialty vehicle data identifier template including a plurality of segments, each segment of the plurality of segments capable of including a code representative of a vehicle attribute, wherein the vehicle attribute of at least one segment includes actuarial data of a vehicle type including historical collision information of the vehicle type, the memory including vehicle information associated with one or more segments of the specialty vehicle data identifier template, a user interface module;

and one or more processors coupled to the memory and the user interface module, and wherein the instructions, when executed by the one or more processors of the computer system, cause the one or more processors to;

receive, via sensors coupled to a vehicle included within the vehicle type, crash information involving the vehicle;

correlate the received crash information with one or more segments of the plurality of segments of the specialty vehicle data identifier template including the historical collision information of the vehicle type;

utilize the specialty vehicle data identifier to store the correlated received crash information in the memory;

associate the correlated one or more segments of the received crash information with one or more discrete vehicle data identifiers stored in the memory;

receive a request for information stored in the memory based on a search term including the code representative of the vehicle attribute;

identify each specialty vehicle data identifier stored in the memory including the code that substantially matches at least a portion of the search term;

compile an output including any identified specialty vehicle data identifier; and

provide the output in an accessible format in response to the request for vehicle information.