Recording and reporting of driving characteristics
First Claim
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1. A method of recording vehicle usage comprising the steps of:
- sensing data indicative of a vehicle operation characteristic with a sensor, including a duration of time that the vehicle operates within a local postal code;
formulating the data indicative of the vehicle operation and storing the data in a memory module disposed within a device including a controller, wherein the controller governs formulation and storing of data within the memory module;
extracting the data from the memory module with the controller responsive to a triggering event, wherein the data is extracted by the controller and sent to an externally located process server;
actuating a vibration sensor responsive to a loss of power, wherein the vibration sensor detects movement of the device to determine if the device is removed from a vehicle; and
reviewing a summary of data by a vehicle user prior to transmitting that data to a central processing device for determination of an insurance premium.
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Abstract
A system for recording, transmitting and compiling information indicative of actual vehicle operation and usage includes a device installed within a vehicle. Sensors communicate with the device to provide information relating to operation of the vehicle. A location module utilizes satellite signals to determine the current location of a vehicle. A data extraction module sends data to a central process server. The central processor compiles and summarizes the information from the device for determination of vehicle usage for use in determining an insurance premium.
28 Citations
17 Claims
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1. A method of recording vehicle usage comprising the steps of:
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sensing data indicative of a vehicle operation characteristic with a sensor, including a duration of time that the vehicle operates within a local postal code; formulating the data indicative of the vehicle operation and storing the data in a memory module disposed within a device including a controller, wherein the controller governs formulation and storing of data within the memory module; extracting the data from the memory module with the controller responsive to a triggering event, wherein the data is extracted by the controller and sent to an externally located process server; actuating a vibration sensor responsive to a loss of power, wherein the vibration sensor detects movement of the device to determine if the device is removed from a vehicle; and reviewing a summary of data by a vehicle user prior to transmitting that data to a central processing device for determination of an insurance premium. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A device for gathering vehicle usage data for use in determining a vehicle insurance cost comprising:
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a memory module for storing data indicative of vehicle operating characteristics; a receiver for receiving satellite signals indicative of a vehicle position; a power module including a connection to an external power source, and an internal power source for powering said device independent of the external power source wherein the power module senses data indicative of vehicle ignition status for determining if the vehicle is operating in the absence of receiving data; a vibration sensor disposed within the device for detecting motion of said device; an accelerometer disposed within the device for detecting vehicle acceleration; a controller for governing the gathering of data stored within said memory module according to a desired detail level of vehicle operating characteristics, wherein the controller gathers data according to at least two selectable levels of detail including a first detail level that obtains data at a detail level less than a second detail level; and a data extraction module for forwarding data for use in determining a vehicle insurance cost. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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Specification