Automatic determination of rental car term associated with a vehicle collision repair incident

• US 10,354,230 B1
• Filed: 01/28/2016
• Issued: 07/16/2019
• Est. Priority Date: 01/28/2016
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Hanson, Randall M., Hildebrandt, Nicole M.
• Primary Examiner(s): Rankins, William E
• Application Number:
  US15/009,418
• Time in Patent Office: 1,265 Days
• Field of Search: 705 4
• CPC Class Codes: G06Q 10/20 Administration of product repair or maintenance
• CPC Class Codes: G06Q 30/0645 Rental transactions; Leasing transactions
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07B 15/00 Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points handling coins or valuable papers, e.g. banknotes, G07D; apparatus for vending or hiring articles or services activated by coins, credit cards, paper currency or the like G07F7/00, G07F17/00
• CPC Class Codes: G07C 5/008 communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/0841 Registering performance data recording measured values G01D; information storage G11B

Abstract

One or more devices in an accident detection and recovery computing system may be configured to determine that vehicle accidents have occurred, collect and analyze accident characteristics and other related data, and providing customized accident recovery services. Mobile computing devices, alone or in combination with vehicle-based systems and external devices, may detect accidents or receive accident indication data. After determining that an accident has occurred, mobile computing devices and/or vehicle-based systems may be configured to determine accident characteristics, and then determine the damages or potential damages resulting from the accident. With an estimated assessment of damage, an accurate estimated of the amount of time to repair the damaged vehicle may be calculated, thus an automatic determination of the amount of time a user may need a rental car during the vehicle collision repair may occur.

Claims

1. An accident detection and recovery system comprising:

a mobile computing device, comprising;

a vehicle on-board diagnostic port interface;

a movement sensor; and

a location sensor;

wherein the mobile computing device is configured to automatically detect, using at least one of;

the movement sensor, the location sensor, and the vehicle on-board diagnostic port interface, that the mobile computing device is within a vehicle that was involved in an accident; and

a server computer, comprising;

a processor;

a hardware memory unit; and

a network interface circuitry communicating coupling the server computer to the mobile computing device;

wherein the hardware memory unit stores non-transitory executable instructions that, when executed by the processor, cause the server computer to;

receive data collected using the mobile computing device;

determine one or more accident characteristics associated with the accident;

determine, based on the accident characteristics and the received data, an amount of potential damage associated with the accident;

calculate, in an automated way without a human insurance adjuster, an amount of time required to repair the amount of potential damage;

based on the calculated amount of time, determine a rental car credit amount associated with the accident;

send the rental car credit amount to at least one repair shop server;

receive confirmation from a selected repair shop server of the at least one repair shop server to accept the rental car credit amount; and

update a rental car data aggregator with the one or more accident characteristics associated with the accident and the confirmation.

2. The system of claim 1, wherein determining that the mobile computing device is in a vehicle that was involved in an accident causes:

receiving, via the network interface circuitry, data from a vehicle-based computing device of a first vehicle indicating that the first vehicle was involved in an accident.

3. The system of claim 2, wherein determining the accident characteristics associated with the accident comprises:

receiving, from the vehicle-based computing device of the first vehicle, at least one of;

a speed of the first vehicle at the time of the accident;

an area of impact on the first vehicle during the accident; and

a number of passengers in the first vehicle at the time of the accident.

4. The system of claim 1, wherein the determining one or more accident characteristics associated with the accident includes:

retrieving and analyzing data from at least one of;

an accelerometer of the mobile computing device;

a speedometer of the mobile computing device; and

a GPS receiver of the mobile computing device.

5. The system of claim 1, wherein the determining the amount of potential damage associated with the accident further includes:

retrieving, via the network interface circuitry from an external computer server, at least one of make, model, and mileage of the vehicle; and

retrieving, via the network interface circuitry, availability of potential parts required for the repair.

6. The system of claim 1, wherein the server computer is further configured to access and employ the memory units and processors to:

initiate at least one of;

an insurance claim;

a title transfer process;

a vehicle damage repair estimate; and

a rental car term,

wherein the initiation of the at least one of insurance claim, title transfer process, vehicle damage repair estimate, and rental car return is based on the determined amount of potential damage associated with the accident and insurance coverage characteristics applicable to the accident.

7. The system of claim 1, wherein the determining the amount of potential damage associated with the accident includes:

comparing the accident characteristics to a plurality of predetermined impact types and speed thresholds;

identifying an impact type and speed threshold corresponding to the accident characteristics; and

determining the amount of potential damage based on the identified impact type and the speed threshold.

8. The system of claim 1, wherein the server computer includes a rental car rules engine that performs the determining of the rental car credit amount, the system comprising:

the rental car data aggregator, comprising;

a processor;

a hardware memory unit; and

a network interface circuitry;

wherein the hardware memory unit stores non-transitory executable instructions that, when executed by the processor, cause the rental car data aggregator to;

store data received about the accident characteristics of a vehicle; and

organize the received data in accordance with predictors;

a rental car prediction server, comprising;

a processor;

a hardware memory unit; and

a network interface circuitry;

wherein the hardware memory unit stores non-transitory executable instructions that, when executed by the processor, cause the rental car prediction server to;

analyze, using predictive analytics software, the data stored in the rental car data aggregator; and

identify predictors and rules that determine an amount of time to repair a damaged vehicle.

9. The system of claim 1, wherein a rental car rules engine stores in computer memory rules generated by a rental car prediction server and uses the rules in the determining of the rental car credit amount.

10. A method, comprising:

determining, by a mobile computing device using at least one of;

movement sensors and location sensors within the mobile computing device, that the mobile computing device is in a vehicle that was involved in an accident;

determining, by the mobile computing device, one or more accident characteristics corresponding to potential damage associated with the accident;

determining, by a rental car rules engine based on the accident characteristics, at least one of a type of potential damage or an amount of potential damage associated with the accident;

based on the determining of the rental car rules engine, determining a rental car credit amount associated with the accident; and

updating a rental car data aggregator with the one or more accident characteristics associated with the accident.

11. The method of claim 10, wherein determining that the mobile computing device is in a vehicle that was involved in an accident further includes:

receiving, at the mobile computing device, data from a vehicle-based computing device of a first vehicle indicating that the first vehicle was involved in an accident.

12. The method of claim 11, wherein determining the accident characteristics associated with the accident comprises:

receiving, from the vehicle-based computing device of the first vehicle, at least one of;

a speed of the first vehicle at a time of the accident;

an area of impact on the first vehicle during the accident; and

a number of passengers in the first vehicle at the time of the accident.

13. The method of claim 10, wherein determining one or more accident characteristics associated with the accident includes:

retrieving and analyzing data from at least one of;

an accelerometer of the mobile computing device;

a speedometer of the mobile computing device; and

a GPS receiver of the mobile computing device.

14. The method of claim 10, wherein determining the type of potential damage or amount of potential damage associated with the accident further includes:

retrieving at least one of make, model, and mileage of the vehicle; and

retrieving availability of potential parts required for repair of the potential damage.

15. The method of claim 10, further comprising:

storing, by the rental car data aggregator, data received about the accident characteristics of a vehicle;

analyzing, by a rental car prediction server, the data stored in the rental car data aggregator; and

identifying, by the rental car prediction server, predictors and rules that determine an amount of time to repair a damaged vehicle.

16. A system, comprising:

a mobile computing device, comprising;

a vehicle on-board diagnostic port interface;

a movement sensor; and

a location sensor;

wherein the mobile computing device is configured to automatically detect, using at least one of;

the movement sensor, the location sensor, and the vehicle on-board diagnostic port interface, that the mobile computing device is within a vehicle that was involved in an accident;

a server computer, comprising;

a processor;

a hardware memory unit; and

a network interface circuitry communicating coupling the server computer to the mobile computing device;

wherein the hardware memory unit stores non-transitory executable instructions that, when executed by the processor, cause the server computer to;

receive data collected using the mobile computing device;

determine one or more accident characteristics associated with the accident;

determine, based on the accident characteristics and the received data, an amount of potential damages associated with the accident;

calculate, in an automated way without a human insurance adjuster, an amount of time required to repair the amount of potential damages;

based on the calculated amount of time, determine a rental car credit amount associated with the accident;

send the rental car credit amount to at least one repair shop server;

receive confirmation from a selected repair shop server of the at least one repair shop server to accept the rental car credit amount; and

update a rental car data aggregator with the one or more accident characteristics associated with the accident and the confirmation; and

the rental car data aggregator, comprising;

a processor;

a hardware memory unit; and

a network interface circuitry;

wherein the hardware memory unit stores non-transitory executable instructions that, when executed by the processor, cause the rental car data aggregator to;

store data received about the accident characteristics of a vehicle; and

organize the received data in accordance with predictors.

17. The system of claim 16, further comprising a rental car prediction server, comprising:

a processor;

a hardware memory unit; and

a network interface circuitry;

wherein the hardware memory unit stores non-transitory executable instructions that, when executed by the processor, cause the rental car prediction server to;

analyze, using predictive analytics software, the data stored in the rental car data aggregator; and

identify predictors and rules that determine an amount of time to repair a damaged vehicle.

18. The system of claim 16, wherein determining the accident characteristics associated with the accident comprises:

receiving, from the mobile computing device of a first vehicle, at least one of;

a speed of the first vehicle at the time of the accident;

an area of impact on the first vehicle during the accident; and

a number of passengers in the first vehicle at the time of the accident.

19. The system of claim 16, wherein the determining one or more accident characteristics associated with the accident includes:

retrieving and analyzing data from at least one of;

an accelerometer of the mobile computing device;

a speedometer of the mobile computing device; and

a GPS receiver of the mobile computing device.

20. The system of claim 16, wherein determining the amount of potential damages associated with the accident further includes:

retrieving, via the network interface circuitry from an external computer server, at least one of make, model, and mileage of the vehicle; and

retrieving, via the network interface circuitry, availability of potential parts required for the repair.