Abstract: An automated insurance claim monitoring system includes an OCS that receives data relating to a claim filed by a customer, automatically generates claim events based on the received data, and makes the claim events available to a device where the customer can view the events. The OCS may thus be used to provide a comprehensive review of all recent events relating to the processing of a claim, enabling a customer to use the device for obtaining the overall status of the claim as the claim is processed.

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired (e.g., distracted, drowsy, intoxicated) and alerting the vehicle operator using a haptic alert delivered by a wearable computing device worn by the vehicle operator when impairment is detected. The method, system, and computer-readable medium may monitor the vehicle operator, the environment surrounding the vehicle, and/or forces acting on the vehicle using a variety of sensors, including optical sensors or accelerometers. In particular, optical sensors may monitor the vehicle operator to detect eye blinks, head nods, head rotations, and/or gaze fixation. Optical sensors may also monitor the road ahead of the vehicle to detect lane deviation, lane centering, and time to collision. Accelerometers may detect acceleration in the direction of vehicle travel and/or lateral acceleration.

Abstract: A computer implemented method for linking an underwriting action to a customer is presented. The method receives an inspection model corresponding to a geographic location associated with a structure and determines that a virtual inspection is necessary based on the inspection model. The method also retrieves a first aerial image corresponding to the geographic location and a second aerial image corresponding to the geographic location and a time threshold. The method further receives a comparison data value corresponding to the first and second aerial image, determines an underwriting action based on the comparison data and links the underwriting action to a customer account.

Abstract: Methods, systems, and computer readable media are disclosed for determining a homeowners insurance quote from a captured image of a dwelling. The captured image includes geotagged information, and the address of the dwelling is determined by reverse geocoding this information. An insurance premium quote may then be generated based on the reverse geocoded address and any additional risk assessment factors, such as the building characteristics. Verification of the address may also be performed by accessing one or more databases, which may store information including addresses, coordinates, and images associated with the address. The building characteristics may be retrieved from one or more of the databases to allow for quote generation with minimal user intervention. Matching properties having comparative quotes near the dwelling address may also be generated.

Abstract: A computer implemented method for determining an insurance premium and/or eligibility is presented. The method receives a plurality of inputs associated with a user account, wherein at least one of the inputs corresponds to a geographic location and an aerial image, wherein the aerial image corresponds to the geographic location. The method further identifies a first data category from the image and a data value corresponding to the data category; determine eligibility, and then if applicable calculates an insurance quote, based on at least the data value.

Abstract: The method and system may be used to control the movement of a remote aerial device in an incremental step manner during a close inspection of an object or other subject matter. At the inspection location, a control module “stabilizes” the remote aerial device in a maintained, consistent hover while maintaining a close distance to the desired object. The control module may retrieve proximal sensor data that indicates possible nearby obstructions to the remote aerial device and may transmit the data to a remote control client. The remote control module may determine and display the possible one or more non-obstructed directions that the remote aerial device is capable of moving by an incremental distance. In response to receiving a selection of one of the directions, the remote control module may transmit the selection to the remote aerial device to indicate the next movement for the remote aerial device.

Abstract: The method and system may be used to control the movement of a remote aerial device in an incremental step manner during a close inspection of an object or other subject matter. At the inspection location, a control module “stabilizes” the remote aerial device in a maintained, consistent hover while maintaining a close distance to the desired object. The control module may retrieve proximal sensor data that indicates possible nearby obstructions to the remote aerial device and may transmit the data to a remote control client. The remote control module may determine and display the possible one or more non-obstructed directions that the remote aerial device is capable of moving by an incremental distance. In response to receiving a selection of one of the directions, the remote control module may transmit the selection to the remote aerial device to indicate the next movement for the remote aerial device.

Abstract: A method includes receiving data about potential impairment of a vehicle operator, wherein the data about potential impairment is generated by: (i) a first optical sensor monitoring a vehicle operator, and (ii) a second optical sensor monitoring an environment ahead of a vehicle operated by the vehicle operator. The computer-implemented method further includes assigning a plurality of scores based on the data about potential vehicle operator impairment, wherein each of the plurality of scores corresponds to a respective impairment indicator, determining an impairment score by performing a mathematical operation on the plurality of scores, and providing the impairment score to a remote device configured to alert the vehicle operator based on the impairment score.

Abstract: A method and computer system aggregates and correlates various types of data from an individual for life management purposes. As an example, the various types of data may include home data, vehicle data, and personal health data associated with the individual. The method and system may receive the various types of data from the individual and analyze each type of data to determine patterns associated with each type of data. The method and system may then compare each of the determined patterns with one another to determine any underlying factors and correlations that may be affecting each of the determined patterns. Based on the determined underlying factors and correlations for each of the determined patterns, the method and system may provide the individual with various benefits such as personalized recommendations, insurance discounts, and other added values or services that the individual can use to better manage and improve his or her life.

Abstract: A system for remotely assessing the condition of a roof of a building is disclosed. The system may compare multiple pieces of image data of the roof, representing the roof at different moments in time, to determine if at least a portion of the roof has been repaired, replaced or damaged in the time between the pieces of image data. If the roof is determined to have been repaired, replaced or damaged, the system may calculate a date of repair, replacement or damage of the roof that corresponds to the date on which at least one of the pieces of image data was captured or created. In the case where the roof has been repaired or replaced, the system may calculate the age of the roof based on the date of repair or replacement, and subsequently, calculate the actual cash value (ACV) of the roof based on the roof age.

Abstract: A method includes receiving and storing sensor data including a first plurality of data points indicative of a plurality of respective states of the environment external to a vehicle at a plurality of respective times, operational data including a second plurality of data points indicative of a plurality of respective states of an operational parameter of the vehicle at a plurality of respective times, and synchronization data. The method also includes generating an animated re-creation of an event involving the vehicle using the stored data, and causing the animated re-creation of the event to be displayed.

Abstract: In a computer-implemented method for remote monitoring of one or more alarms, a set of one or more audio test signals is sensed. The set of audio test signals is processed to generate alarm identification data, and/or the set of audio test signals is recorded, and an indication of a type of the alarm device and/or a location of the alarm device, is received. An audio signal generated by the alarm device in response to detecting an alarm condition is sensed, and processed using an audio recognition technique to identify the alarm device. The alarm device is identified using the generated alarm identification data and/or the recorded set of audio test signals, and using the received indication. A user is caused to be notified that the identified alarm device has been triggered.

Abstract: Methods and systems for scrubbing confidential insurance account information are provided. According to embodiments, a scrubbing server can receive a request to scrub confidential insurance data that includes the contents of an insurance account information database and an indication of the category of confidential data stored in the database. The scrubbing server can scrub the valid data contained in the received database, replacing confidential information with “scrambled” data that is not confidential. The scrubbing server can transmit the contents of the scrubbed database back to the requesting party.

Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.

Abstract: The method, system, and computer-readable medium causes the monitoring of a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is impaired and causes a mitigating response when an impairment is determined to exist. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be impaired, an alert or other mitigating response is implemented, based on the sensor data. In some embodiments, mitigating actions may be taken to avoid vehicle operator impairment.

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is in an emotionally impaired state (e.g., aggressive or agitated) and presenting appropriate stimuli (e.g., music or sound recordings) to the vehicle operator when impairment is detected. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be in an emotionally impaired state, stimuli are selected to improve the emotional state of the vehicle operator. The selection is based on sensor data and data regarding prior responses of the vehicle operator to various stimuli. After selection, the stimuli are presented to the vehicle operator while monitoring continues.

Abstract: A method and system may assess the damage to infrastructure using aerial images captured from an unmanned aerial vehicle (UAV), a manned aerial vehicle (MAV) or from a satellite device. Specifically, an item of infrastructure may be identified for assessing damage. The UAV, MAV, or satellite device may then capture aerial images within an area which surrounds the identified infrastructure item. Subsequently, the aerial images may be analyzed to determine a condition and the extent and/or severity of the damage to the infrastructure item. Furthermore, the aerial images along with indications of the extent of the damage may be displayed on a computing device.

Abstract: A computer implemented method for determining a yaw angle estimate or vehicle heading direction is presented. A data server may receive a plurality of telematics data originating from a client computing device and determine a first primary movement window from the telematics data. The data server may also determine a potential range of yaw angles from the plurality of telematics data from the first primary movement window and generate an equality that evaluates the potential range of yaw angles. The data server may further maximize the count of acceleration events of the telematics data from the first primary movement window to further generate one or more refined yaw angle estimates. The data server stores the one or more yaw angle estimates on a memory.

Abstract: Systems and methods for generating data representative of insurance coverage for autonomous vehicles are provided. In particular, systems and methods for generating data representative of insurance coverage for autonomous vehicles based on data representative of autonomous vehicle reliability are provided. The data representative of autonomous vehicle reliability may include data representative of the autonomous vehicle original equipment manufacturer test results, autonomous vehicle system manufacturer test results, autonomous vehicle system component manufacturer test results, insurance company autonomous vehicle, systems and/or component test results, and/or third party test results of the autonomous vehicle, systems and/or components.

Abstract: A method and computer system executes a home loss prevention simulation to provide a user with information on home loss prevention. The method and system may allow the user to select and place one or more home sensors on items and/or in locations within a simulated home environment. Once the user has finished selecting and placing the home sensors in the simulated home, the method and system may begin the home loss prevention simulation by applying different loss-related simulation scenarios to the simulated home. Based the different loss-related scenarios, the method and system may evaluate the placement of the home sensors in the simulated home to determine one or more losses (e.g., fire, water or burglary) and any associated financial costs. At the end of the simulation, the method and system may provide instructional information regarding the simulation results in order to educate the user on how to improve or optimize home loss prevention.