Carsharing peril analysis
First Claim
Patent Images
1. A method comprising:
- receiving an indication of a signal, detected via at least hardware of a vehicle, indicating that presence of a mobile device was detected inside the vehicle;
in response to receiving the indication of the signal, determining an identity of a user identity of the mobile device based at least in part on information entered via a user interface of the mobile device;
accessing a driver score and driving limits of the user based at least in part on the user identity;
causing limitation of operation of the vehicle based at least in part on the driving limits;
calculating insurance options and associated prices for the user based at least in part on the driver score;
providing a presentation for display on at least one of the mobile device, or a display of the vehicle, the presentation comprising at least the calculated insurance options and the associated prices;
receiving an indication of a selection of and purchase of one of the calculated insurance options; and
in response to receiving the indication of the selection of and the purchase of the one of the calculated insurance options, causing the limitation of the operation of the vehicle to be removed.
1 Assignment
0 Petitions
Accused Products
Abstract
Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle'"'"'s occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.
43 Citations
15 Claims
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1. A method comprising:
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receiving an indication of a signal, detected via at least hardware of a vehicle, indicating that presence of a mobile device was detected inside the vehicle; in response to receiving the indication of the signal, determining an identity of a user identity of the mobile device based at least in part on information entered via a user interface of the mobile device; accessing a driver score and driving limits of the user based at least in part on the user identity; causing limitation of operation of the vehicle based at least in part on the driving limits; calculating insurance options and associated prices for the user based at least in part on the driver score; providing a presentation for display on at least one of the mobile device, or a display of the vehicle, the presentation comprising at least the calculated insurance options and the associated prices; receiving an indication of a selection of and purchase of one of the calculated insurance options; and in response to receiving the indication of the selection of and the purchase of the one of the calculated insurance options, causing the limitation of the operation of the vehicle to be removed. - View Dependent Claims (2, 3, 4, 5)
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6. An apparatus comprising at least one processor and at least one memory including computer program code, the at least one memory and the computer program code configured to, with the processor, cause the apparatus to at least:
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receive an indication of a signal, detected via at least hardware of a vehicle, indicating that presence of a mobile device was detected inside the vehicle; in response to receiving the indication of the signal, determine an identity of a user identity of the mobile device based at least in part on information entered via a user interface of the mobile device; access a driver score and driving limits of the user based at least in part on the user identity; cause limitation of operation of the vehicle based at least in part on the driving limits; calculate insurance options and associated prices for the user based at least in part on the driver score; provide a presentation for display on at least one of the mobile device, or a display of the vehicle, the presentation comprising at least the calculated insurance options and the associated prices; receive an indication of a selection of and purchase of one of the calculated insurance options; and in response to receiving the indication of the selection of and the purchase of the one of the calculated insurance options, cause the limitation of the operation of the vehicle to be removed. - View Dependent Claims (7, 8, 9, 10)
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11. An computer program product comprising at least one non-transitory computer-readable storage medium having computer-executable program code instructions stored therein, the computer-executable program code instructions comprising program code instructions to:
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receive an indication of a signal, detected via at least hardware of a vehicle, indicating that presence of a mobile device was detected inside the vehicle; in response to receiving the indication of the signal, determine an identity of a user identity of the mobile device based at least in part on information entered via a user interface of the mobile device; access a driver score and driving limits of the user based at least in part on the user identity; cause limitation of operation of the vehicle based at least in part on the driving limits; calculate insurance options and associated prices for the user based at least in part on the driver score; provide a presentation for display on at least one of the mobile device, or a display of the vehicle, the presentation comprising at least the calculated insurance options and the associated prices; receive an indication of a selection of and purchase of one of the calculated insurance options; and in response to receiving the indication of the selection of and the purchase of the one of the calculated insurance options, cause the limitation of the operation of the vehicle to be removed. - View Dependent Claims (12, 13, 14, 15)
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Specification