Carsharing peril analysis
First Claim
Patent Images
1. A system comprising:
- a vehicle not owned by a renter;
a mobile device comprising hardware which limits operation of the vehicle by distance and time when the mobile device is inside the vehicle unless the mobile device receives instructions from the renter to purchase carsharing insurance to operate the vehicle to a destination selected on the mobile device by the renter; and
a server coupled to a cloud network comprising hardware which associates the vehicle with the mobile device for executing hardware logic including;
downloading a driver score and driving limits of the renter from the cloud network;
limiting operation of the vehicle not owned by the renter by the driving limits;
calculating carsharing insurance options to the renter based on the driver score;
electronically displaying on the mobile device the carsharing insurance options;
determining a current insurance coverage of the vehicle;
electronically displaying the adequacy of the current insurance coverage;
electronically soliciting purchase of carsharing insurance options to continue;
electronically presenting a price for each carsharing insurance option; and
electronically facilitating operation of the vehicle if the renter has selected to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle.
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.
13 Citations
8 Claims
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1. A system comprising:
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a vehicle not owned by a renter; a mobile device comprising hardware which limits operation of the vehicle by distance and time when the mobile device is inside the vehicle unless the mobile device receives instructions from the renter to purchase carsharing insurance to operate the vehicle to a destination selected on the mobile device by the renter; and a server coupled to a cloud network comprising hardware which associates the vehicle with the mobile device for executing hardware logic including; downloading a driver score and driving limits of the renter from the cloud network; limiting operation of the vehicle not owned by the renter by the driving limits; calculating carsharing insurance options to the renter based on the driver score; electronically displaying on the mobile device the carsharing insurance options; determining a current insurance coverage of the vehicle; electronically displaying the adequacy of the current insurance coverage; electronically soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if the renter has selected to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system comprising:
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a vehicle not owned by a renter; an in-dash unit housed in the vehicle comprising hardware which limits operation of the vehicle by distance and time when the renter is detected to be inside the vehicle unless the in-dash unit receives instructions from the renter to purchase carsharing insurance to operate the vehicle to a destination selected on the in-dash unit by the renter; and a server coupled to a cloud network comprising hardware associates the vehicle with the in-dash unit for executing hardware logic including; downloading a driver score and driving limits of the renter from the cloud network; limiting operation of the vehicle not owned by the renter by the driving limits; calculating carsharing insurance options to the renter based on the driver score; electronically displaying on the in-dash unit the carsharing insurance options; determining a current insurance coverage of the vehicle; electronically displaying the adequacy of the current insurance coverage; electronically soliciting purchase of carsharing insurance options to continue; electronically presenting a price for each carsharing insurance option; and electronically facilitating operation of the vehicle if the renter has selected to purchase a carsharing insurance option that adequately provides insurance coverage for the vehicle.
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Specification