Insurance policy management using telematics
First Claim
1. A method comprising:
- determining, by a telematics device of a vehicle, traversal, by the vehicle, of a route, wherein the telematics device is configured to;
monitor a location of the vehicle; and
generate data associated with the traversal, by the vehicle, of the route;
receiving, by a computing device and from the telematics device, the data, wherein the data is stored to a memory;
determining, based at least on the data and a determination that the data stored to the memory has reached a predetermined amount of data, driving behavior associated with the vehicle;
determining, based at least on the driving behavior, a rating associated with the traversal, by the vehicle, of the route; and
transmitting an indication of the rating.
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Accused Products
Abstract
A method or system may comprise generating a plurality of routes to a destination of a vehicle. Traversal, by the vehicle, of a route may be determined by a telematics device. The telematics vehicle may be configured to monitor a location of the vehicle and motion of the vehicle. The telematics device may be configured to generate data associated with the traversal of the route, the location of the vehicle, or the motion of the vehicle. Driving behavior of the vehicle may be determined, based at least on the data. A rating associated with the vehicle or the traversal of the route may be determined, based at least on the driving behavior. A risk score may be determined for the route. The rating may be determined, based at least on the risk score. The rating may be determined, based at least on the driving behavior.
13 Citations
19 Claims
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1. A method comprising:
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determining, by a telematics device of a vehicle, traversal, by the vehicle, of a route, wherein the telematics device is configured to; monitor a location of the vehicle; and generate data associated with the traversal, by the vehicle, of the route; receiving, by a computing device and from the telematics device, the data, wherein the data is stored to a memory; determining, based at least on the data and a determination that the data stored to the memory has reached a predetermined amount of data, driving behavior associated with the vehicle; determining, based at least on the driving behavior, a rating associated with the traversal, by the vehicle, of the route; and transmitting an indication of the rating. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-readable medium comprising computer-readable instructions for:
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receiving, from a telematics device of a vehicle, data generated by the telematics device, wherein the telematics device is configured to monitor movement of the vehicle, and wherein the data is associated with movement of the vehicle and is stored to a memory; determining, based at least on the data and a determination that the data stored to the memory has reached a predetermined amount of data, driving behavior associated with the vehicle; determining, based at least on the driving behavior, a rating associated with the vehicle; and transmitting an indication of the rating. - View Dependent Claims (9, 10, 11, 12)
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13. An apparatus comprising:
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a processor; and a memory coupled with the processor, the memory storing executable instructions that when executed by the processor cause the processor to effectuate operations comprising; generating, based at least on a destination of a vehicle, a plurality of routes to the destination, wherein each of the plurality of routes comprises one or more route segments; determining, based at least on the one or more route segments, a risk score for each of the plurality of routes; monitoring, by a telematics device of the vehicle, the vehicle on a selected route of the plurality of routes; determining, based at least on the risk score of the selected route and the monitoring the vehicle on the selected route, a rating associated with traversal, by the vehicle, of the selected route; and transmitting an indication of the rating. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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Specification