Abstract: Methods, computer-readable media, software, and apparatuses provide a system for controlling access to text messaging capabilities of a mobile computing device of a user while the user is driving. The mobile computing device may be configured to restrict a user from sending or receiving text messages while the user is driving depending on a current driving situation. Whether a user can send or receive text messages may further depend on a priority of the text message or a priority level of a sender or intended recipient of the text message. The system may include devices for collecting information regarding the vehicle and its surroundings and for determining the current driving situation based on the collected information. Further, the system may include devices for maintaining records of the restrictions placed on text messaging and of rewards earned for agreeing to be subject to such restrictions.

Abstract: Methods, computer-readable media, software, and apparatuses provide a system for making toll payments using toll payment equipment. The system may include a mobile computing device, a toll gateway, and an insurance company computing device. The mobile computing device (e.g., a phone) may be configured to communicate with the toll gateway when a vehicle carrying the mobile computing device passes through the toll gateway. The mobile computing may send a signal to the insurance company computing device to cause the insurance company computing device to pay an appropriate toll or discounted toll (if applicable). The insurance company may maintain an account for a customer from which toll payments are made. In addition, the insurance company computing device may collect information about the vehicle as it passes through the toll gateway. The insurance company computing device may use this information to determine an insurance-related value, such as an insurance premium.

Abstract: Methods, computer-readable media, systems and apparatuses for implementing risk unit based insurance policies are presented. A user may receive a plurality of risk units associated with an insurance policy. The risk units may be stored in a risk unit account associated with the user, the vehicle, etc. During operation of the vehicle, sensor data may be received. The sensor data may provide information associated with driving behaviors of the user, environmental conditions in which the vehicle is being operated, and the like. A consumption rate of the risk units may be determined based, at least in part, on the received sensor data. In some examples, the consumption rate may be displayed to the user, such as via a mobile device of the user or a vehicle display. Further, in some arrangements, one or more driving modifications to reduce a consumption rate may be determined and provided to the user.

Abstract: Aspects of the disclosure provide a computer-implemented-method and system for providing a food delivery service to a person's residence. To execute these methods, the delivery system may utilize (a) information regarding the location of a person ordering food from a restaurant or a food orderer, (b) the location of the restaurant, and (c) the location of potential third party delivery agents. These food delivery service systems may include restaurants of any type or food and/or retail food stores, such as grocery stores, pharmacies, drug stores, retail stores, discount retail stores, etc. The food delivery service systems may further utilize historical information and/or insurance information to enhance the food delivery services.

Abstract: Aspects of the disclosure provide a computer-implemented method and system for ordering food remotely or from a vehicle for pick-up or delivery by providing the use of an application on a mobile device that provides information that allows the ordering. The computer-implemented method and system may also allow for the electronic payment for the food. Telematics information regarding the user and/or the vehicle may be utilized to provide information regarding a user's location, velocity, route, and destination. The computer-implemented method and system may utilize this telematics information to provide a prioritized ranked list of restaurants for the user. The computer-implemented method and system may utilize insurance information to provide additional features and enhance the mobile food order method and system.

Abstract: Aspects of the disclosure provide a computer-implemented method and system for ordering food remotely or from a vehicle for pick-up or delivery by providing the use of an application on a mobile device that provides information that allows the ordering. The computer-implemented method and system may include an order in advance application that allows a user or the system automatically to place an order based on previous orders. The computer-implemented method and system may also allow for the electronic payment for the food. Telematics information regarding the user and/or the vehicle may be utilized to provide information regarding a user's location, velocity, route, and destination. The computer-implemented method and system may utilize this telematics information to provide a prioritized ranked list of restaurants for the user. The computer-implemented method and system may utilize insurance information to provide additional features and enhance the mobile food order method and system.

Abstract: Aspects of the disclosure include computer-implemented methods and apparatus for providing an insurance claim satisfaction guarantee. The computer-implemented method or apparatus may include an insurance claim satisfaction guarantee server that receives a dissatisfaction notice based on a customer service guarantee received during an insurance claim and verifies that a loss payment was awarded on the insurance claim. Additionally, the insurance claim satisfaction guarantee server may determine that the dissatisfaction notice was received within a period of time of the insurance claim. Furthermore, the insurance claim satisfaction guarantee server may issue a guarantee payment in the amount equal to an insurance premium if the loss payment was awarded and the dissatisfaction notice was provided within the time period.