Abstract: According to some aspects of this disclosure a roadside assistance application programming interface (API) may allow any type of application, internet of things device, voice recognition device, and others to provide roadside assistance functionality. According to some aspects of this disclosure a device may communicate with sensors or an on-board diagnostics system of a vehicle and retrieve vehicle data. The device may recommend a service based on the vehicle data. The device may send a request for roadside assistance. The device may be used to enroll a user as a member of a roadside assistance benefits program. The above mentioned steps may all be performed via a single application running on the device. According to some aspects of this disclosure a device may process a roadside assistance request and determine a roadside assistance service provider to send to a user that requested roadside assistance.

Abstract: Electronic digital display systems, including roadside display devices, vehicle-based devices, personal mobile devices, intermediary servers, advertising servers, and/or additional external data sources may operate individually or in combination to identify one or more vehicle locations, driving routes, driver and passenger characteristics, and the like. Vehicle and individual characteristics may be determined based on data received from traffic cameras, vehicle-based devices, personal mobile devices, and/or other data sources. Based on the vehicle characteristics, individual characteristics, driving data and driving patterns, and the like, digital content may be determined for electronic roadside displays to be viewable by the approaching vehicles, and/or other digital display devices to be viewable by associated individuals via other display devices and at other times. Various techniques may be used to determine customized digital content.

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: A method is disclosed for mitigating the risks associated with operating an autonomous or semi-autonomous vehicle by using calculated route traversal values to select less risky travel routes and/or modify vehicle operation. Various approaches to achieving this risk mitigation are presented. A computing device is configured to generate a database of route traversal values. This device may receive a variety of historical route traversal information, real-time vehicle information, and/or route information from one of more data sources and calculate a route traversal value for the associated driving route. Subsequently, the computing device may provide the associated route traversal value to other devices, such as a vehicle navigation device associated with the autonomous or semi-autonomous vehicle. An insurance company may use this information to help determine insurance premiums for autonomous or semi-autonomous vehicles by analyzing and/or mitigating the risk associated with operating those vehicles.

Abstract: Aspects of the disclosure relate to enhanced telematics processing systems with improved third party source data integration features and enhanced customized driving output determinations. A computing platform may receive telematics data and third party source data. The computing platform may enrich the telematics data using the third party source data. After generating the enriched telematics data, the computing platform may use machine learning algorithms and datasets to validate the enriched telematics data. The computing platform may ingest, via a batch ingestion process, the enriched telematics data. For example, the computing platform may store the enriched telematics data and generate additional enriched telematics data until expiration of a predetermined period of time. The computing platform may ingest the enriched telematics data associated with each trip. Once the enriched telematics data has been ingested, the computing platform may generate a standardized common trip format output for each trip.

Abstract: A system may include a plurality of telematics devices and a driving behaviors analysis server configured to identify a plurality of drivers of a vehicle type. The server may determine a number of accidents for each driver of the vehicle type over a predetermined period of time and calculate an accident frequency value accordingly for the plurality of drivers. The server may then determine an accident severity value for the plurality of drivers of the vehicle type based on analyzing each accident that has occurred for each driver. Further, the server may receive driving data for each driver from the plurality of telematics devices and identify driving behaviors for each driver based on the driving data. Finally, the server may assign a vehicle safety rating to the vehicle type based on the accident frequency value, the accident severity value, and the driving behaviors for each driver of the vehicle type.

Abstract: A system may include a telematics device associated with a vehicle, a first computing device associated with a driver of the vehicle, and a server. The server may receive, from the telematics device, driving data of the driver of the vehicle and use the driving data to identify one or more driving behaviors of the driver over a predetermined period of time. The server may then estimate a residual value for the vehicle based on the one or more driving behaviors of the driver and determine whether or not the vehicle is ready for sale or trade-in based on the one or more driving behaviors of the driver and the residual value of the vehicle. Furthermore, the server may transmit, to the first computing device, a notification indicating whether or not the vehicle is ready for sale or trade-in, wherein the notification comprises the residual value of the vehicle.

Abstract: A mobile computerized apparatus configured to provide membership status in a roadside assistance program after occurrence of a roadside event is disclosed. The apparatus executes instructions that cause/allow the apparatus to receive input related to an electronic membership card, retrieve from a data store membership information associated with the vehicle, and dynamically update the electronic membership card for display on the apparatus.

Abstract: Systems, methods, and apparatus for product and coverage review and recommendation are disclosed.

Abstract: Event-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises identifying the occurrence of an event, storing first data corresponding to apparatus operation for a first threshold amount of time prior to the event, during the occurrence of the event, and for a second threshold amount of time after the event, determining whether a responsive object is involved in or near the event, in response to determining that the responsive object is involved in or near the event, transmitting the first data to the responsive object, and receiving, from the responsive object, second data, analyzing the first data and the second data to determine a party at-fault for the event, aggregating the first data and second data into an event report, and causing, automatically, a response to be initiated through an entity associated with the party at-fault.

Abstract: Aspects of the present disclosure describe systems, methods, and devices for automated vehicular control based on glare detected by an optical system of a vehicle. In some aspects, automated control includes controlling the operation of the vehicle itself, a vehicle subsystem, or a vehicle component based on a level of glare detected. According to some examples, controlling the operation of a vehicle includes instructing an automatically or manually operated vehicle to traverse a selected route based on levels of glare detected or expected along potentials routes to a destination. According to other examples, controlling operation of a vehicle subsystem or a vehicle component includes triggering automated responses by the subsystem or the component based on a level of glare detected or expected. In some additional aspects, glare data is shared between individual vehicles and with a remote data processing system for further analysis and action.

Abstract: Systems and methods are disclosed for determining the status of a traffic device and vehicle movement. A traffic device may have a traffic device computer, one or more traffic signals, and/or a transceiver. The traffic device may transmit, via the transceiver and to a vehicle and infrastructure computing device, information indicative of a status of the one or more traffic signals. The vehicle and infrastructure computing device may comprise a vehicle and infrastructure control computer. The vehicle and infrastructure computing device may receive, from the traffic device, the information indicative of the status of the one or more traffic signals. The computing device may determine that the information indicative of the status of the one or more traffic signals indicates that the one or more traffic signals of the traffic device switched from a red light to a green light and a time that the one or more traffic signals of the traffic device switched from the red light to the green light.

Abstract: Methods and apparatus provide for an automated system for analyzing damage to insured property. A server may receive images of a scene (e.g., a room, house, apartment, etc.) from a user at a mobile device. The server may analyze the images to create a holistic view of the scene. The server and/or mobile device may be able to generate dimensions of the scene and compare those dimensions to the dimensions of a damaged property at the scene to determine the extent of damage to the property. The server may also be able to detect gaps between images as it creates the holistic view of the scene.

Abstract: An video analysis computing system driving analysis may include a camera associated with a first vehicle and having a viewing angle capable of capturing a video of one or more other vehicles in proximity to the first vehicle, a first memory location communicatively coupled to the camera, wherein the first memory location stores video data captured by the camera, and an evaluation module including a processor executing instructions that cause the processor to: evaluate the captured video stored in the first memory location to determine whether a driving event performed by a second vehicle has occurred, assign, in response to an identified driving event performed by the second vehicle, a driving event rating to a video showing the identified driving event, wherein the driving event rating may be calculated, at least in part, using a crowd-sourced driving event rating obtained after posting the video to a social network.

Abstract: Methods, computer-readable media, software, and apparatuses may assist a consumer in keeping track of a consumer's accounts in order to prevent unauthorized access or use of the consumer's identified accounts. Upon discovery of a consumer's accounts, the methods, computer-readable media, software, and apparatuses may determine information that may be shared, used, or transferred by the companies, institutions, or organizations for each of the discovered accounts. The determined information may be visually displayed to the consumer along with recommendations regarding digital safety.

Abstract: One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data in one or more life insurance databases. A life insurance clearinghouse may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with multiple different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from one or more databases in a life insurance clearinghouse.

Abstract: Methods, computer-readable media, systems and apparatuses for home maintenance monitoring and rewarding users for completion of various home maintenance tasks are provided. The systems may receive data associated with a home, such as a plurality of systems and/or devices associated with the home. Based on the received information, the systems may generate a maintenance task list for the home including a plurality of maintenance tasks. Data related to maintenance performed on the home may be received and, based on the received maintenance data, a determination may be made as to whether one or more tasks on the maintenance task list have been completed. Upon completion of a task, a reward, such as points, discounts on future maintenance, insurance premium discounts, etc., may be deposited in an account of the user. In some arrangements, the points may be redeemed as payment on future maintenance, payment on insurance premiums, or the like.

Abstract: An insurance lead marketplace may include an insurance lead marketplace computing device that includes a non-transitory memory device and/or a processor. The non-transitory memory device may be configured for storing one or more rules for qualifying and/or categorizing insurance leads based on at least one insurance characteristic. The processor may be configured to provide insurance leads that were received from an insurance lead source to a requesting agent, to determine a quality associated with and/or categorize each insurance lead based on one or more characteristics of the received insurance leads, to present the insurance leads to an insurance agent based on one or more selected lead characteristics and/or lead tiers, and/or to determine information associated with an actual quality of each insurance lead based upon feedback received from the agent and revise rules for qualifying and/or categorizing the insurance leads using the actual quality of the insurance leads.

Abstract: A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.

Abstract: Methods, computer-readable media, software, and apparatuses provide a system that may facilitate communications between drivers who share a route. The system may allow communications to be sent from one driver to another driver and allow drivers to post queries to other drivers sharing a route. Computing devices in the vehicle may collect route data for the system to evaluate and to use in identifying drivers sharing a route.