Systems and Methods Using a Mobile Device to Collect Data for Insurance Premiums

  • US 20130006674A1
  • Filed: 05/22/2012
  • Published: 01/03/2013
  • Est. Priority Date: 06/29/2011
  • Status: Active Application
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First Claim
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1. A system for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising:

  • a mobile device, comprising;

    one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session;

    a processor;

    a non-transitory storage medium;

    a display;

    a transmitter; and

    a set of computer readable instructions stored in the non-transitory storage medium nd when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and

    a remote processing computer, comprising;

    a server that receives collected vehicle operation data;

    a database that stores collected vehicle operation data; and

    a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.

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