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System and method for determining an insurance premium based on analysis of human telematic data and vehicle telematic data

  • US 10,424,024 B1
  • Filed: 05/08/2018
  • Issued: 09/24/2019
  • Est. Priority Date: 10/06/2014
  • Status: Active Grant
First Claim
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1. A method for processing vehicle operator status data, and historic vehicle data and user environmental data related to determination of an insurance quote comprising:

  • providing a non-transitory computer-readable storage medium with instructions stored thereon that, when executed, direct a processor to perform acts comprising;

    accessing user health telematic data via a telematics data acquisition device having at least one telematic sensor in direct physical contact with a user, the user health telematic data being indicative of the user'"'"'s health status while operating a vehicle;

    accessing a historic vehicle telematic data via a telematics data acquisition device in communication with a vehicle operating status, the historic vehicle telematic being indicative at least one historical attribute of the vehicle;

    accessing user environmental data collected by an environmental telematics data acquisition device worn by the user, wherein the environmental telematics data is indicative of a measured at least one user environmental data;

    calculating an insurance quote based on the sensed user health telematic data, historic vehicle telematic data, and user environmental data; and

    ,transmitting the insurance quote to the user via a mobile device for immediate acceptance of the insurance quote.

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