In-vehicle insurance applications, Methods and systems for automatically collecting insurance risk related data

• US 20150112733A1
• Filed: 10/23/2013
• Published: 04/23/2015
• Est. Priority Date: 10/23/2013
• Status: Abandoned Application

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Baker, Nicholas R., Balbach, Steve J., Binion, Todd, Cielocha, Steven
• Application Number:
  US14/061,385
• Publication Number:
  US 20150112733A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The applications, methods and systems of the present disclosure provide selective and automatic data collection for insurance risk determination purposes. In particular, an insurance application may be stored in a vehicle computing system memory and may be executed by a vehicle computing system processor to collect and store vehicle operation related data. An in-vehicle computing device may transmit the collected data to a remote server via a wireless communication network. Alternatively, the in-vehicle computing device may transmit the collected data to a mobile telephone via a wireless communication network.

Claims

1. A computerized method for automatically collecting and storing vehicle operation data for determining an insurance risk associated with an insured individual, the method comprising:

storing, in a memory of a vehicle computing device, an insurance application;

receiving, at a processor of the vehicle computing device, from vehicle sensors, the vehicle operation data, wherein the vehicle operation data is representative of information related to operation of a vehicle;

receiving, at the processor of the vehicle computing device, insurance policy data, wherein the insurance policy data is representative of an identification of an insurance policy associated with the vehicle;

generating, at the processor of the vehicle computing device, insurance risk related data by executing the insurance application on the processor of the vehicle computing device, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data; and

causing the processor to automatically store the insurance risk related data in the memory coupled to the processor of the vehicle computing device.

2. The method of claim 1, further comprising:

causing the processor to automatically transmit the insurance risk related data to a remote server via a wireless communication network.

3. The method of claim 1, further comprising:

causing the processor to automatically transmit the insurance risk related data to a client computing device via a wireless communication network.

4. The method of claim 3, further comprising:

causing the client device to automatically transmit the insurance risk related data to a remote server via a wireless communication network.

5. The method of claim 1, wherein the vehicle operation data is representative of at least one of:

a vehicle location, a vehicle elevation, a vehicle direction heading, a vehicle odometer value, vehicle speed value, G-force value and direction, a vehicle engine speed value, a vehicle fuel level value, a vehicle fuel consumption value, a vehicle identification number (VIN), an external temperature value, a park-reverse-neutral-drive lever (PRNDL) status, a tire pressure value, a calendar date, a time, a vehicle seat belt status, a vehicle brake pedal switch status, vehicle emergency assistance related information, a vehicle airbag status, vehicle body controller information, a vehicle ignition status, a vehicle communication device signal strength value, a vehicle battery charge value, a vehicle emergency event status, a vehicle instrument cluster mode value, or a vehicle power mode.

6. The method of claim 5, further comprising:

receiving, at the processor of the vehicle computing device, a user input representative of an indication of the desired content of the vehicle operation data.

7. The method of claim 1, further comprising:

receiving, at the processor of the vehicle computing device, a user input representative of an indication whether the insurance risk related data is to be transmitted to a mobile telephone or a remote server.

8. A system for automatically collecting and storing insurance risk related data from a vehicle, the system comprising:

a vehicle operations data collection module stored on a memory that, when executed on a processor, causes the processor to collect vehicle operation data from vehicle sensors, wherein the vehicle operation data is representative of operation of a vehicle by an insured individual;

an insurance application module stored on the memory that, when executed on the processor, causes the processor to collect insurance policy data, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance policy data is representative of an association between the vehicle and an insurance policy;

an insurance risk related data generation module stored on the memory that, when executed on a processor, causes the processor to generate insurance risk related data, wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data, and wherein the insurance risk related data is representative of an association between the vehicle and the insurance policy; and

an insurance risk related data transmission module stored on the memory that, when executed by the processor, causes the processor to automatically transmit insurance risk related data.

9. The system of claim 8, further comprising:

an insurance application configuration module stored on the memory that, when executed by the processor, causes the processor to receive user inputs, wherein the user inputs are indicative of the content of the vehicle operation data and a remote device to which the processor automatically transmits the insurance risk related data is transmitted.

10. The system of claim 8, wherein the processor automatically transmits the insurance risk related data to at least one of:

a mobile telephone and a remote server.

11. The system of claim 8, wherein the vehicle operation data is representative of at least one of:

a vehicle location, a vehicle elevation, a vehicle direction heading, a vehicle odometer value, vehicle speed value, G-force value and direction, a vehicle engine speed value, a vehicle fuel level value, a vehicle fuel consumption value, a vehicle identification number (VIN), an external temperature value, a park-reverse-neutral-drive lever (PRNDL) status, a tire pressure value, a calendar date, a time, a vehicle seat belt status, a vehicle brake pedal switch status, vehicle emergency assistance related information, a vehicle airbag status, vehicle body controller information, a vehicle ignition status, a vehicle communication device signal strength value, a vehicle battery charge value, a vehicle emergency event status, a vehicle instrument cluster mode value, or a vehicle power mode.

12. The system of claim 11, wherein the insurance policy data is representative of at least one of:

an insurance policy number;

an insured vehicle identification;

or an identity of an insured individual.

13. The system of claim 8, wherein the processor, executing the insurance risk related data generation module, generates the insurance risk related data based, at least in part, on a number of miles driven, a day and time that the vehicle was driven, a type of vehicle driven, or an age of the driver.

14. The system of claim 8, wherein the processor, executing the vehicle operation data collection module, collects vehicle operation data from an on-board diagnostics device.

15. A computer-readable storage medium comprising non-transitory computer-readable instructions stored thereon and to be executed on a processor of a vehicle computing system for automatically collecting and storing insurance risk related data associated with an insured individual, the stored instructions comprising:

a vehicle operations data collection module that, when executed on a processor, causes the processor to collect vehicle operation data from vehicle sensors, wherein the vehicle operation data is representative of operation of a vehicle;

an insurance application module that, when executed on the processor, causes the processor to collect insurance policy data, wherein execution of the insurance application allows selection of content of the vehicle operation data by the insured individual, and wherein the insurance policy data is representative of an association between the vehicle and an insurance policy;

an insurance risk related data generation module that, when executed on a processor, causes the processor to generate insurance risk related data, wherein the insurance risk related data is based, at least in part, on the content of the vehicle operation data selected by the insured individual and the insurance policy data, and wherein the insurance risk related data is representative of an association between the vehicle and the insurance policy; and

an insurance risk related data transmission module that, when executed by the processor, causes the processor to automatically transmit insurance risk related data.

16. The computer-readable storage medium of claim 15, wherein the instructions further comprise:

an insurance application configuration module stored on the memory that, when executed by the processor, causes the processor to receive user inputs, wherein the user inputs are indicative of the content of the vehicle operation data and a remote device to which the processor automatically transmits the insurance risk related data is transmitted.

17. The computer-readable storage medium of claim 15, wherein the instructions further comprise:

a client device insurance risk related data receiving and transmission module that, when executed by a processor of a client device, causes the processor of the client device to automatically receive insurance risk related data from a processor of a vehicle computing device and to automatically transmit the insurance risk related data to a remote server.

18. The computer-readable storage medium of claim 15, wherein the instructions further comprise:

an on-board diagnostics device interface module that, when executed by the processor, causes the processor to collect vehicle operation data from a vehicle on-board diagnostics device; and

a body controller interface module that, when executed by the processor, causes the processor to collect vehicle operation data from a vehicle body controller.

19. The computer-readable storage medium of claim 15, wherein the processor, executing the insurance risk related data generation module, generates the insurance risk related data based, at least in part, on a number of miles driven, a day and time that the vehicle was driven, a type of vehicle driven, or an age of the driver.

20. The computer-readable storage medium of claim 19, wherein the processor, executing the insurance risk related data generation module, associates at least a portion of the vehicle operation data with a day and a time.