Vehicle image and sound data gathering for insurance rating purposes

  • US 10,373,264 B1
  • Filed: 06/30/2017
  • Issued: 08/06/2019
  • Est. Priority Date: 03/10/2013
  • Status: Active Grant
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First Claim
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1. A computer-implemented method for providing vehicle insurance, the method comprising:

  • receiving, by one or more processors executing a processor-implemented instruction module, data associated with a vehicle captured by a sensor of a computing device, wherein the data includes sound data produced by the vehicle and captured by an audio sensor of the computing device, the sound data having a particular frequency;

    analyzing, by the processor-implemented instruction module, the received data to determine an operating condition of the vehicle, wherein determining the operating condition of the vehicle includes comparing the particular frequency of the sound data captured by the audio sensor to a baseline frequency of a baseline engine sound model;

    determining, by the processor-implemented instruction module, a deviation between the particular frequency of the sound data and the baseline frequency of the baseline engine sound model;

    identifying, by the processor-implemented instruction module, a beginning or ending of a trip using the vehicle based at least in part on the sound data captured by the audio sensor of the computing device, wherein the beginning of the trip causes collection of vehicle usage data;

    calculating, by the processor-implemented instruction module, a risk of loss for the vehicle based upon the deviation and the collected vehicle usage data; and

    determining, by the processor-implemented instruction module, an insurance rating for the vehicle based at least in part on the calculated risk of loss andproviding by the processor-implemented instruction module, the determined insurance rating to a user.

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