Abstract: Disclosed systems and methods automatically assess buildings and structures. A device may receive one or more images of a structure, such as a building or portion of the building, and then label and extract relevant data. The device may then train a system to automatically assess other data describing similar buildings or structures based on the labeled and extracted data. After training, the device may then automatically assess new data, and the assessment results may be sent directly to a client or to an agent for review and/or processing.

Abstract: A tethering system for a remote-controlled device comprising a tether line having a first end adapted to be connected to a ground support and a second end adapted to be connected to the remote-controlled device. The system further includes an anchor-point disposed between the first and second ends of the tether line, the anchor point having an eyelet for securing the tether line and allowing the tether line to slide through the eyelet during use. The anchor-point and eyelet enable the tether line to flex or bend and the remote-controlled device to maneuver one or more of over or around the target area without interfering with any nearby obstructions.

Abstract: A method and apparatus may provision a new computer code file as an update or a new application for end nodes of a cloud computing system. The method and apparatus may receive a computer code file at a repository server via a portal interface to an automation service. The computer code file may include a discrete file or package of files corresponding to a complete application or an update for an application for execution on cloud computing system nodes. The method and apparatus may also receive provisioning conditions at the automation service via the portal interface, send the computer code file to the cloud computing system end nodes based on the received provisioning conditions, and cause the sent computer code file to be installed on each of the plurality of cloud computing system end nodes.

Abstract: A method and apparatus may predict a cross-sell product to be presented to a customer. For example, the method and apparatus may communicate a plurality of questions to a customer via a computer network relating to an insurance product. The method and apparatus may receive a customer information and use the customer information to calculate a price quote for the insurance product. The method and apparatus may query a database containing information relating to the insurance product and receive customer information from the database. The method and apparatus may then determine whether the customer information or database information is indicative of a second product. If it is determined that the customer information or the customer database information is indicative of the second product, the method and apparatus may identify the second product as a potential cross-sale product, generate a message presenting the second product and display the message.

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy), log data relating to vehicle operator impairment for further analysis, and send the data to a server for analysis. The method, system, and computer-readable medium may monitor the vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle using either or both of optical sensors or accelerometers. In particular, one optical sensor may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Another optical sensor may monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. The accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated), alerting the vehicle operator when impairment is detected, and log data relating to vehicle operator impairment for further analysis. The method, system, and computer-readable medium may monitor the vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle using either or both of optical sensors or accelerometers. In particular, one optical sensor may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Another optical sensor may monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. The accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

Abstract: In a computer-implemented method of incentivizing low-loss behaviors, in-home data is received. The in-home data is generated by, or based on information generated by, a device located at a residence of an individual, and is indicative of one or both of (i) a utilization of the device and (ii) a condition monitored by the device. The method also includes determining, based on the received in-home data, an insurance premium adjustment for the individual, and providing an indication of the determined insurance premium adjustment.

Abstract: Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.

Abstract: A computer program product for processing an insurance claim application, the computer program product having a computer-readable storage device with computer-readable program instructions stored therein for: initiating an insurance claim application; receiving user data associated with the insurance claim, the user data including an image; generating a model of a scene of the insurance claim using the user data; generating a model of an user's vehicle associated with the insurance claim using the user data; analyzing the model of the user's vehicle to identify a damaged portion of the user's vehicle and a claim element; analyzing at least one of the user data, the model of the scene, the model of the user's vehicle, the damaged portion of the user's vehicle, and the claim element to determine whether the insurance claim application satisfies a processing criteria. The computer program can submit a completed insurance claim application to an insurance provider, and/or process the insurance claim.

Abstract: An server that facilitates efficient and convenient processing of an insurance claim. The claim processing application can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the user's mobile device. Damaged portions of the user's vehicle can be identified automatically or by the user. Damage can be tagged using the mobile device and additional data can be provided by the user and associated with each tag. The server's claim processing application can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim.

Abstract: A mobile computing device that facilitates efficient and convenient processing of an insurance claim. The mobile computing device can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the mobile computing device. Damaged portions of the user's vehicle can be identified automatically or by the user. Damage can be tagged using the mobile computing device and additional data can be provided by the user and associated with each tag. The mobile computing device can be used to provide a preliminary claim assessment, submit a completed insurance claim application to an insurance provider, and/or process the insurance claim.

Abstract: A method for rating insurance products using a programmed computer system comprising: receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; querying a database for a second set of existing data associated with a regulator, which regulates insurance policies in a geographic area comprising the location; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set.

Abstract: A computer readable medium containing a set of computer readable instructions that when loaded into a computer configure that computer to: receive demographic data, fire station data, or other data associated with a location; receive a coordinate pair including a longitude and latitude of a location; determine a coordinate grid block bounded by latitude and longitude lines, which grid block is associated with the coordinate pair; query a database for a plurality of existing data associated with the coordinate grid block; and determine a rate based at least in part on the plurality of existing data and the demographic data, fire station data, or other data associated with a location.

Abstract: A method for rating insurance products using a programmed computer system having steps including receiving a coordinate pair comprising a longitude and a latitude of a location; determining a target coordinate grid block by truncating a decimal representation of the longitude and latitude of the location; querying a database for a first set of existing data associated with the target coordinate grid block, wherein the existing data was associated with the target coordinate grid block prior to receiving the coordinate pair; setting a ring counter to an initial value; determining a current ring of coordinate grid blocks grid adjacent to and surrounding the target grid block; querying the database for a second set of existing data associated with each coordinate grid block in the current ring of coordinate grid blocks; and calculating a pure premium based on constant values and an analysis of the data in the first set and the second set.

Abstract: A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while the mobile device is associated with an operating vehicle, wherein the vehicle operation data has insurance risk predictive power; and transmitting the collected vehicle operation data from the mobile device to a remote computer. The remote computer or server receives collected vehicle operation data, stores the collected vehicle operation data in a database, a determines a vehicle insurance premium via a rating engine based at least in part on collected vehicle operation data.