Methods of pre-generating insurance claims

  • US 10,102,587 B1
  • Filed: 07/14/2015
  • Issued: 10/16/2018
  • Est. Priority Date: 07/21/2014
  • Status: Active Grant
  • ×
    • Pin
First Claim
Patent Images

1. A computer-implemented method of generating an insurance claim for an insured owning an insurance policy issued by an insurance provider, the method comprising:

  • generating, by a mobile device associated with the driver or the insured and located inside an insured vehicle during a vehicle accident, accident data associated with the vehicle accident involving a driver, the accident data including vehicle telematics data, and the driver being either the insured or another individual associated with the insurance policy issued by the insurance provider;

    transmitting, from the mobile device to a remote server via wireless communication, the accident data;

    analyzing, by the one or more remote servers, the accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the telematics data;

    determining, by the one or more remote servers and based upon the analysis of the accident data, a likely severity of the vehicle accident based upon the change in speed of the insured vehicle;

    generating, by the one or more remote servers, an estimated insurance claim based upon the determined likely severity of the vehicle accident;

    transmitting, via wireless communication, the estimated insurance claim from the one or more remote servers to the mobile device to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured;

    receiving, at the one or more remote servers, a wireless communication from the driver or the insured indicating approval, rejection, or modification of the estimated insurance claim; and

    handling the estimated insurance claim, at the one or more remote servers, in accordance with the approval, rejection, or modification of the estimated insurance claim.

View all claims
    ×
    ×

    Thank you for your feedback

    ×
    ×