Abstract: A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device at the location of the property may be used to transmit video of the property to an adjuster, and to receive video and audio communications from the adjuster. The adjuster may be selected from a queue based on time waiting in the queue and/or a number of other statistics and attributes of the adjuster. The adjuster may converse with an owner of the property and capture video of the property in order to make an appraisal or determine the infeasibility of remote appraisal and the need to instruct another adjuster to perform a physical inspection.

Abstract: Systems, apparatuses, and methods for providing roadside assistance services are described herein. The system can include network computing devices and computing devices associated with vehicles and service vehicles. Requests for roadside services can be automatically assigned to an available service provider. Service providers can be ranked based on a variety of criteria and requests can be assigned based on the ranking. The ranking of service providers can be adjusted based on the performance of the service provider. If a service provider takes too long to respond to a request, the request can be automatically declined and an alternative service provider can be selected.

Abstract: Aspects of the disclosure provide a computer-implemented method and system for the assignment of roadside assistance service providers such as tow trucks to distressed vehicles/drivers requiring roadside assistance. The methods and systems may include a roadside assistance service provider system with a collection module, an assignment module, and a feedback module. The collection module collects roadside assistance service provider information and historical statistics from real-world information and stores the information in a database that may then be analyzed using particular rules and formulas. The assignment module assigns particular roadside assistance service providers to particular distressed vehicles/drivers based on one or more characteristics.

Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on analysis of various telematics data. The system includes a user human telematic sensor providing telematics data about the wearer. Also, the system and method comprise at least one building/environment telematic sensor configured to provide telematic data about the building and the surrounding environment. The various telematics data is communicated and processed to provide an insurance quote to the user based upon analysis of the telematics data.

Abstract: A method, medium, and apparatus for educating and reducing risk to inexperienced drivers using vehicles with autonomous navigation systems. Data regarding a driver's past experience with vehicles and operating environments may be used to proactively warn the driver about a potential danger detected or predicted by the vehicle. An autonomous vehicle may prevent the driver from operating the vehicle under unfamiliar circumstances or from causing a collision. Data regarding a driver's past experience with vehicles and the safety features thereof may be used to mitigate risk of injury or property damage by selectively activating safety features in a new vehicle which the driver has not previously driven. Data regarding a driver's past experience with vehicles and safety features thereof may be used to determine a decreased or increased rental rate for a particular vehicle.

Abstract: Systems and methods are disclosed herein for providing near real-time communication to a user based on analysis of various user and environmental telematic data. The system includes a user telematic sensor providing telematics data about the wearer. Also, the system and method include at least one building/environment telematic sensor configured to provide telematic data about the building and/or surrounding environment. The various telematics data is communicated and processed to provide notification back to the user such as a potential safety hazard. The safety hazard may be based upon sensed data specific to the user, specific to the user's environment, or combinations thereof.

Abstract: Systems and methods are disclosed herein for pricing an insurance premium based on telematics data. The system includes a communications interface and a business logic processor in communication with the communications interface. The communications interface receives telematics data collected by a telematics acquisition device. A business logic processor determines an insurance quote for a user based on the received telematics data, vehicle data, and vehicle owner data. The communications interface transmits the insurance quote to the user of the vehicle.

Abstract: A driving analysis server may be configured to receive vehicle operation data from mobile devices respectively disposed within the vehicles, and may use the data to group the vehicles into multiple groups. A driving pattern for each vehicle may be established and compared against a group driving pattern of its corresponding group to identify outliers. A driver score the outliers may be adjusted positively or negatively based on whether the outlier behaved in a manner more or less safe than its group. Further, unsafe driving events performed by the outlier that were the result of another vehicle's unsafe driving event may be ignored or positively accounted for in determining or adjusting the outlier's driver score.

Abstract: Systems and methods for performing insurance damage inspection by a vehicle are provided. A computing device may receive a request to inspect of property, the request comprising a location of the property. The computing device may identify a vehicle from a plurality of vehicles that is located closest to the location of the property from other vehicles in the plurality of vehicles. The computing device may instruct the vehicle to travel to the location of the property. The computing device may instruct the vehicle to collect damage information on the property using one or more onboard sensors of the vehicle. The computing device may determine an amount of insurance payout to approve for repairs to the property based on the damage information collected by the vehicle.

Abstract: A driving analysis server may be configured to receive vehicle operation data from vehicle sensors, and may use the data to identify a potentially high-risk or unsafe driving event by the vehicle. The driving analysis server also may receive corresponding image data, video, or object proximity data from the vehicle or one or more other data sources, and may use the image, video, or proximity data to analyze the potentially high-risk or unsafe driving event. A driver score for the vehicle or driver may be calculated or adjusted based on the analysis of the data and the determination of one or more causes of the driving event.

Abstract: Intelligent routing systems and methods of use to match a user from a user call with a unique ID associated with the user, generate a plurality of call reason predictions for the user call with an intelligent router module of the intelligent routing system based on the unique ID, generate a confidence level and a likelihood rating with the intelligent router module for each call reason prediction of the plurality of call reason predictions, determine a call reason prediction with a highest likelihood rating and such that the confidence level for the call reason prediction exceeds an associated confidence level threshold that is machine learned and adjustable, determine a call routing service mode from a plurality of service modes based on the call reason prediction, and route the user call to the call routing service mode.

Abstract: Aspects of the disclosure relate to using vehicle telematics data to assess parameters associated with vehicle operation. In some instances, a driving assessment system may include a first computing device associated with a user in a vehicle and a second computing located remotely from the first computing device. The first computing device may collect, by way of one or more of an accelerometer and global positioning system (GPS), vehicle operational data and vehicle locational information associated with the vehicle and corresponding to a trip of the vehicle and may transmit such information to the second computing device. The second computing device may identify actionable and second order actionable trip data from the vehicle operational data and vehicle locational information and may calculate a behavior score for the trip.

Abstract: A claim-based capitation model is proposed for handling vehicle repair insurance claims. Rather than determining a detailed estimate of the expected actual cost of repair, the estimate may be determined using a simpler model. For example, the insurance company and a repair facility may agree to following a predictive payment model in which the insurance company pays a fixed predicted capitated amount of money for each repair claim, regardless of the amount of repair work that will be needed. Alternatively, the insurance company may prepay a fixed capitated amount for a predicted number of future insurance claims.

Abstract: A system including a processor and memory may provide for automatically activating or deactivating a feature of a fleet vehicle. For example, one or more fleet vehicles may include one or more of a global-positioning system, a speed governor, electronically-controlled brakes, an electronically-controlled accelerator, a speed limiter, or an on-board computer with a processor and memory. One or more features may be activated by a local or remote computing device or system. For example, a system may determine one or more recommended routes between two or more locations. The system may track a fleet vehicle's progress along a route, and activate a feature of the fleet vehicle based on the fleet vehicle following or not following the recommended route. For example, the system may cause activation of a speed limiter on the fleet vehicle, disable the fleet vehicle, and/or activate or deactivate autonomous features of the fleet vehicle.

Abstract: Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using cameras and lasers for determining the extent and severity of the damage. To aid in this determination, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages of similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.

Abstract: Aspects of the present disclosure are directed to systems and methods for authenticating a user requesting access to a computing resource based on telematics data. A system may include a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device, and a server computer. The server computer may receive telematics data of a user associated with the vehicle from the telematics device, store the telematics data in memory, receive a request to authenticate the user, generate one or more questions for authenticating the user based on the telematics data, transmit the one or more questions for presentation to the user, receive one or more answers to the one or more questions from the mobile device, and transmit, to the mobile device, an indication of whether the user is authenticated based on the one or more answers.

Abstract: Connecting to an unsecured wired or wireless network poses severe security and privacy risks. An individual application such as a mobile online banking application address this by using point to point private network connections. Browsers, however, generally do not use point to point private network connections and depend on the target website to establish a secure connection. Providing a secure connection that is the default for all network access and that encrypts all over the air or over the wire traffic mitigates these risks. However, virtual client networks (VPNs) client applications can be difficult to set up and need to be always on to ensure that all network activity is secure. By embedding a VPN capability and automating the connection process, a safe and secure network connection can be made available to users of computing devices.

Abstract: The disclosure relates generally to an in-vehicle feedback system, and more particularly, to an in-vehicle device with a display or graphical interface that collects driving data and provides feedback based on the driving data. The system may comprise an in-vehicle device that includes a graphical user interface and a processor and a data collection device wirelessly connected to the in-vehicle device. The in-vehicle device may be configured to receive vehicle telematics data from the data collection device and the processor may process the telematics data in real time and cause the telematics data to be displayed on the graphical user interface. The graphical user interface may include a speed display and an acceleration display.

Abstract: A mobile computerized apparatus or method configured to coordinate towing facilities and roadside assistance providers and their available capacity to tow and provide roadside assistance and match users with those towing facilities and roadside assistance providers is disclosed. The apparatus or method may be configured to consider the following factors in matching the towing facilities/roadside assistance providers and users: (a) availability of nearby towing facilities; (b) telematics information from the vehicle to assist with the diagnosis/repairs; (c) preset preferences of the user; (d) insurance information (such as the type of the vehicle the user has and the user's home address); and (e) the capabilities of the towing facility.

Abstract: Methods, computer-readable media, systems and apparatuses for rating a road segment based on data received from one or more sensors distributed along the road segment. In some arrangements, a number of sensors along a road segment may be determined based on characteristics or features of the road segment. In at least some arrangements, the data received and/or processed from road segment sensors may be controlled based on current road segment conditions. For instance, in fair weather data from fewer than all sensors along a road segment may be received and/or processed because the likelihood of a dangerous condition is reduced. However, when current conditions indicate the potential for hazardous conditions (e.g., temperature near or below freezing, presence of moisture, untreated road segment, etc.) data from all sensors may be received and/or processed to ensure the most accurate information for an entire length of the road segment is obtained.