IPC분류정보
국가/구분 |
United States(US) Patent
등록
|
국제특허분류(IPC7판) |
|
출원번호 |
US-0798770
(2015-07-14)
|
등록번호 |
US-10102587
(2018-10-16)
|
발명자
/ 주소 |
- Potter, Thomas Michael
- Clauss, Mark E.
- Carter, Dustin Ryan
- Graff, Douglas Albert
- Baumann, Megan Michal
- Bonnom, Atlanta
- Cope, Craig
- Lawyer, Jennifer Luella
- Simpson, Curtis
- Baumann, Nathan W.
|
출원인 / 주소 |
- STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
|
대리인 / 주소 |
Marshall, Gerstein & Borun LLP
|
인용정보 |
피인용 횟수 :
0 인용 특허 :
162 |
초록
▼
In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimat
In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.
대표청구항
▼
1. A computer-implemented method of generating an insurance claim for an insured owning an insurance policy issued by an insurance provider, the method comprising: generating, by a mobile device associated with the driver or the insured and located inside an insured vehicle during a vehicle accident
1. A computer-implemented method of generating an insurance claim for an insured owning an insurance policy issued by an insurance provider, the method comprising: generating, by a mobile device associated with the driver or the insured and located inside an insured vehicle during a vehicle accident, accident data associated with the vehicle accident involving a driver, the accident data including vehicle telematics data, and the driver being either the insured or another individual associated with the insurance policy issued by the insurance provider;transmitting, from the mobile device to a remote server via wireless communication, the accident data;analyzing, by the one or more remote servers, the accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the telematics data;determining, by the one or more remote servers and based upon the analysis of the accident data, a likely severity of the vehicle accident based upon the change in speed of the insured vehicle;generating, by the one or more remote servers, an estimated insurance claim based upon the determined likely severity of the vehicle accident;transmitting, via wireless communication, the estimated insurance claim from the one or more remote servers to the mobile device to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured;receiving, at the one or more remote servers, a wireless communication from the driver or the insured indicating approval, rejection, or modification of the estimated insurance claim; andhandling the estimated insurance claim, at the one or more remote servers, in accordance with the approval, rejection, or modification of the estimated insurance claim. 2. The computer-implemented method of claim 1, the method comprising adjusting, generating, or updating, at the one or more remote servers and based upon the estimated insurance claim, one or more insurance-related items, the one or more insurance-related items including one or more of (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. 3. The computer-implemented method of claim 1, wherein generating accident data includes collecting data associated with, or generated by, the insured vehicle or a computer system of the insured vehicle. 4. The computer-implemented method of claim 3, wherein generating the accident data includes collecting data associated with, or generated by, a vehicle other than the insured vehicle. 5. The computer-implemented method of claim 3, wherein generating the accident data includes collecting data associated with, or generated by, vehicle-to-vehicle (V2V) communication. 6. The computer-implemented method of claim 3, wherein generating the accident data includes collecting data associated with, or generated by, roadside equipment or infrastructure located near a location of the vehicle accident. 7. A system for generating an insurance claim for an insured owning an insurance policy issued by an insurance provider, the system comprising: a mobile device associated with the driver or the insured and located inside an insured vehicle during a vehicle accident, wherein the mobile device is configured to: generate accident data associated with the vehicle accident involving a driver, the accident data including vehicle telematics data, and the driver being either the insured or another individual associated with the insurance policy issued by the insurance provider, andcause the accident data to be transmitted from the mobile device to a remote server;one or more processors of the remote server; andone or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to: receive the accident data from the mobile computing device,analyze the accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the telematics data,determine, based upon the analysis of the accident data, a likely severity of the vehicle accident based upon the change in speed of the insured vehicle,generate an estimated insurance claim based upon the determined likely severity of the vehicle accident,cause the estimated insurance claim to be transmitted, via wireless communication, to the mobile device to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured,receive a wireless communication from the driver or the insured indicating approval, rejection, or modification of the estimated insurance claim, andhandle the estimated insurance claim in accordance with the approval, rejection, or modification of the estimated insurance claim. 8. The system of claim 7, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: adjust, generate or update one or more insurance-related items based upon the estimated insurance claim, the one or more insurance-related items including one or more of (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. 9. The system of claim 7, wherein the accident data includes data associated with, or generated by, the insured vehicle or a computer system of the insured vehicle. 10. The system of claim 9, wherein the accident data includes data associated with, or generated by, a vehicle other than the insured vehicle. 11. The system of claim 9, wherein the accident data includes data associated with, or generated by, vehicle-to-vehicle (V2V) communication. 12. The system of claim 9, wherein the accident data includes data associated with, or generated by, roadside equipment or infrastructure located near a location of the vehicle accident. 13. A computer-implemented method of generating an insurance claim for an insured owning an insurance policy issued by an insurance provider, the method comprising: generating, by a mobile device associated with the driver or the insured and located inside the insured vehicle during a vehicle accident, accident data associated with the vehicle accident involving a driver, the accident data including vehicle telematics data, and the driver being either the insured or another individual associated with the insurance policy issued by the insurance provider;transmitting, from the mobile device to a remote server via wireless communication, the accident data;analyzing, by the one or more remote servers, the accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the telematics data;determining, by the one or more remote servers and based upon the analysis of the accident data, a likely severity of the vehicle accident based upon the change in speed of the insured vehicle;generating an estimated insurance claim, at the one or more remote servers, based upon the determined likely severity of the vehicle accident; andtransmitting, via wireless communication, the estimated insurance claim from the one or more remote servers to the driver or the insured for review, approval, or modification to facilitate prompt handling of the insurance claim. 14. The computer-implemented method of claim 13, the method further comprising receiving, at the one or more remote servers and from the driver or the insured, a wireless communication indicating rejection, approval, or modification of the estimated insurance claim. 15. The computer-implemented method of claim 13, the method further comprising adjusting, generating, or updating, at the one or more remote servers and based upon the estimated insurance claim, one or more insurance-related items, the one or more insurance-related items including one or more of (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. 16. The computer-implemented method of claim 15, the method further comprising transmitting information indicative of the adjusted, generated, or updated insurance-related items from the one or more remote servers to the mobile device, to be displayed on the mobile device for review, modification, or approval by the driver or the insured. 17. The computer-implemented method of claim 13, wherein generating accident data includes collecting data associated with, or generated by, an insured vehicle or a computer system of the insured vehicle. 18. The computer-implemented method of claim 17, wherein generating accident data includes collecting data associated with, or generated by, a vehicle other than the insured vehicle. 19. The computer-implemented method of claim 17, wherein generating accident data includes collecting data associated with, or generated by, vehicle-to-vehicle (V2V) communication. 20. The computer-implemented method of claim 17, wherein generating accident data includes collecting data associated with, or generated by, roadside equipment or infrastructure located near a location of the vehicle accident.
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