Methods of reconstructing an accident scene using telematics data

  • US 10,387,962 B1
  • Filed: 07/14/2015
  • Issued: 08/20/2019
  • Est. Priority Date: 07/21/2014
  • Status: Active Grant
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1. A computer-implemented method of accident scene reconstruction, the method comprising:

  • generating, by one or more sensors of a mobile computing device associated with a driver, accident data associated with a vehicle during a time period including a vehicle accident, the accident data including vehicle telematics data from the one or more sensors indicating acceleration or velocity of the vehicle, and the accident data including audio or video data associated with the interior of the vehicle from the one or more sensors;

    collecting, by one or more remote servers associated with an insurance provider from an application of the mobile computing device, the accident data, wherein the accident data is associated with the driver, and the driver being associated with an insurance policy issued by the insurance provider;

    analyzing, by the one or more remote servers, the accident data to determine (i) vehicle movement at a plurality of times associated with the vehicle accident based upon the vehicle telematics data and (ii) mobile phone usage by the driver during the vehicle accident based upon the audio or video data;

    determining, by the one or more remote servers and based upon the analysis of the accident data, a sequence of events occurring one or more of before, during, or after the vehicle accident;

    generating, by the one or more remote servers and based upon the determined sequence of events, a virtual reconstruction of one or both of (i) the vehicle accident and (ii) a scene of the vehicle accident;

    determining, by the one or more remote servers and based upon the virtual reconstruction and the mobile phone usage by the driver, fault of the driver for the vehicle accident; and

    using the determined fault of the driver to handle, at the one or more remote servers, an insurance claim associated with the vehicle accident.

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