Obtaining insurance information in response to optical input

  • US 10,255,639 B1
  • Filed: 08/12/2016
  • Issued: 04/09/2019
  • Est. Priority Date: 09/17/2013
  • Status: Active Grant
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1. A method for responding to a request for insurance policy information comprising:

  • automatically transmitting, from a vehicle telematics device installed in a vehicle and to an insurance system, vehicle operation information that characterizes operation of the vehicle, the vehicle operation information comprising a first date and a first time;

    determining, based on an analysis of the vehicle operation information by the insurance system, that an incident involving the vehicle has occurred;

    scanning, by a mobile device, a physical token affixed to the vehicle, wherein;

    the scanning of the physical token causes the mobile device to transmit a message;

    the physical token comprises a unique identifier associated with an insurance policy for the vehicle; and

    the message comprises a second date, a second time, and the unique identifier;

    receiving, by the insurance system, the message transmitted by the mobile device;

    obtaining, by the insurance system using the unique identifier, insurance policy information associated with the insurance policy for the vehicle;

    transmitting, by the insurance system to the mobile device, the obtained insurance policy information, wherein receipt of the insurance policy information at the mobile device causes the mobile device to display the insurance policy information;

    determining, by the insurance system, that the mobile device optically scanned the physical token within a predetermined time period after the incident occurred by comparing the first date to the second date and comparing the first time to the second time; and

    automatically creating, by the insurance system, an insurance claim for the incident based on the comparing.

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