Encouraging safe driving using a remote vehicle starter and personalized insurance rates
First Claim
1. A method comprising:
- determining, by a remote starter device installed at a vehicle, that the remote starter device is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device;
receiving, by the remote starter device from the remote starter application, a request to initiate ignition of the vehicle;
initiating, by the remote starter device, ignition of the vehicle;
providing, by the remote starter device to the remote starter application upon ignition of the vehicle, an ignition confirmation message;
identifying, by the remote starter application, a user of the mobile computing device as a driver of the vehicle;
providing, by the remote starter application to an insurance underwriting system in response to receipt of the ignition confirmation message, an ignition notification message;
creating, by the insurance underwriting system in response to receipt of the ignition notification message, an ignition record;
collecting, by the insurance underwriting system during operation of the vehicle, vehicle telematics data provided by a vehicle telematics device installed at the vehicle; and
determining, by the insurance underwriting system, a personalized insurance rate for the driver based, at least in part, on the vehicle telematics data.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of encouraging safe driving of a vehicle using a remote starter device installed at a vehicle is provided. The remote starter device may determine whether it is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device. When the remote starter device is in signal communication with the remote starter application, the remote starter device may permit ignition of the vehicle. When the remote starter device is not in signal communication with the remote starter application, the remote starter device may prevent ignition of the vehicle. The driver of the vehicle may be identified and a vehicle telematics device installed at the vehicle may provide vehicle telematics data to an insurance underwriting system. A personalized insurance rate for the driver may be determined based, at least in part, on the vehicle telematics data.
237 Citations
20 Claims
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1. A method comprising:
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determining, by a remote starter device installed at a vehicle, that the remote starter device is in signal communication with a remote starter application operating at a mobile computing device separate from the remote starter device; receiving, by the remote starter device from the remote starter application, a request to initiate ignition of the vehicle; initiating, by the remote starter device, ignition of the vehicle; providing, by the remote starter device to the remote starter application upon ignition of the vehicle, an ignition confirmation message; identifying, by the remote starter application, a user of the mobile computing device as a driver of the vehicle; providing, by the remote starter application to an insurance underwriting system in response to receipt of the ignition confirmation message, an ignition notification message; creating, by the insurance underwriting system in response to receipt of the ignition notification message, an ignition record; collecting, by the insurance underwriting system during operation of the vehicle, vehicle telematics data provided by a vehicle telematics device installed at the vehicle; and determining, by the insurance underwriting system, a personalized insurance rate for the driver based, at least in part, on the vehicle telematics data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification