Vehicle monitoring system

  • US 8,140,358 B1
  • Filed: 06/03/2008
  • Issued: 03/20/2012
  • Est. Priority Date: 01/29/1996
  • Status: Expired due to Fees
First Claim
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1. A system that monitors and facilitates a review of data collected from a vehicle that is used to determine a level of safety or cost of insurance comprising:

  • a processor that collects vehicle data from a vehicle bus that represents aspects of operating the vehicle;

    a memory that stores selected vehicle data related to a level of safety or an insurable risk in operating a vehicle;

    a wireless transmitter configured to transfer the selected vehicle data retained within the memory to a distributed network and a server;

    a database operatively linked to the server to store the selected vehicle data transmitted by the wireless transmitter, the database comprising a storage system remote from the wireless transmitter and the memory comprising records with operations for searching the records and other functions;

    where the server is configured to process selected vehicle data that represents one or more aspects of operating the vehicle with data that reflects how the selected vehicle data affects a premium of an insurance policy, safety or level of risk; and

    where the server is further configured to generate a rating factor based on the selected vehicle data stored in the database.

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