Vehicle monitoring system

  • US 9,754,424 B2
  • Filed: 09/14/2012
  • Issued: 09/05/2017
  • Est. Priority Date: 01/29/1996
  • Status: Active Grant
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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 raw vehicle data that is used to operate the vehicle from the vehicle'"'"'s bus;

    a memory that stores the raw vehicle data that relates to an insurable risk in operating the vehicle, where the memory is configured to store the raw vehicle data at a periodic rate and at an aperiodic rate;

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

    a database operatively linked to a server to store the raw vehicle data transmitted by the wireless transmitter, the database stored in a storage system remote from the wireless transmitter and the memory that provides database operations for searching, writing, and retrieving the records stored in the storage system and other database operations;

    where the server is configured to generate an insurance rating factor that reflects an associated level of insurance risk used to determine a corresponding insurance premium based on the raw vehicle data stored in the database;

    where selection of the periodic rate or the aperiodic rate occurs in response to the amount of storage available in the memory and when the raw vehicle data meets a condition; and

    where the wireless transmitter is further configured to transfer the raw vehicle data retained within the memory from a first vehicle to a second vehicle when a distributed network is unavailable.

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