Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: A method of driver behavior that includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data in real-time. The method also includes analyzing the telematics data to determine whether a driving score for a driver, determining whether the driving score is greater than a threshold value, determining a discount based upon the driving score being higher than the threshold, and generating a communication based upon the discount. The method further includes transmitting the communication.

Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.

Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.

Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.

Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.

Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.

Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.

Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Abstract: In systems and methods for facilitating fault determination, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may analyzed and, based upon the analysis of the accident data, fault (or lack thereof) of the driver, other drivers, road or weather conditions, construction, or other external factors or environment conditions for the vehicle accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident, and to adjust, generate or update one or more insurance-related items, including (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. As such, drivers not at a fault for an accident may realize insurance-cost savings and/or may not be unfairly penalized.

Abstract: A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.

Abstract: In systems and methods for accident scene reconstruction, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may be analyzed and, based upon the analysis of the accident data, a sequence of events occurring before, during, and/or after the vehicle accident may be determined. Based upon the determined sequence of events, a virtual reconstruction of the vehicle accident and/or a scene of the vehicle accident may be generated. The virtual reconstruction may include images of vehicles and/or road, weather, traffic, or construction conditions at the time of the accident. Based upon the virtual reconstruction, fault of the driver, or lack thereof, for the accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident.

Abstract: A method of responding to a vehicle accident includes receiving data indicating that vehicle is involved in an accident. The method further includes transmitting a communication to a mobile device of a user in response to receiving the data. Still further, the method includes displaying the communication via a mobile device application on the mobile device, the communication prompting the user to provide responses to one or more questions regarding the accident. The method further includes determining a likely severity of the accident based on the received data, receiving an indication of a response to the one or more questions from the user, and, based on the determination of the likely severity of the accident and the received indication of the response, prompting the user with an emergency assistance recommendation.

Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.

Abstract: A method of vehicle accident response includes generating telematics data associated with operation of a vehicle via a mobile device inside the vehicle. The method further includes transmitting the telematics data to one or more remote servers from the mobile device and analyzing the telematics data to determine that an accident involving the vehicle has occurred. Still further, the method includes transmitting a communication to the mobile device in response to determining that the accident has occurred. The method further includes displaying, by a mobile device application of the mobile device, the communication, the communication including a list of next steps that the driver should take after the accident.

Abstract: In system and methods for theft prevention or mitigation, driver-related data associated with one or more authorized drivers of an insured vehicle may be collected over time. The authorized drivers and the insured vehicle may be covered by an insurance policy issued by an insurance provider. Based upon the collected driver-related data, a database associated with the authorized drivers may be built. Current driver-related data associated with an individual currently driving, attempting to start, or sitting in a seat of the insured vehicle may be collected. It may be determined, using both the database and the current driver-related data, that the individual is not among the authorized drivers. A disablement of an operation of the insured vehicle may be caused, and/or the individual may be caused to be prevented from starting or otherwise operating the insured vehicle, to facilitate preventing or mitigating theft of the insured vehicle.

Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.

Abstract: In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.