SYSTEMS AND METHODS USING A MOBILE DEVICE TO COLLECT DATA FOR INSURANCE PREMIUMS
First Claim
1. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
- collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle;
transmitting the collected vehicle operation data from the mobile device to a remote computer; and
calculating an insurance premium based at least in part on the collected vehicle operation data.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method 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 and 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.
386 Citations
24 Claims
-
1. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
-
collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle; transmitting the collected vehicle operation data from the mobile device to a remote computer; and calculating an insurance premium based at least in part on the collected vehicle operation data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A method for providing vehicle operation data to a remote computer for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
-
collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
-
-
21. A method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the method comprising:
-
receiving at a remote computer the collected vehicle operation data from a mobile device; and calculating an insurance premium based at least in part on the collected vehicle operation data. - View Dependent Claims (22, 23, 24)
-
Specification