Abstract: A plumbing component includes a cold water inlet; a hot water inlet; an outlet configured to output cold water, hot water, or a mixture thereof; a flow shut-off mechanism for restricting the flow of water out of the outlet; a first flow control valve for controlling the flow of cold water; and a second flow control valve for controlling the flow of hot water. Each of the flow control valves comprises a valve member and an associated valve seat, each valve member arranged to engage with the associated valve seat to control the flow of water through the flow control valves to the water outlet. One or both of the valve members includes a graduated flow control bead arranged to seal against the associated valve seat to provide a graduated flow transition between a maximum flow state and a minimum flow state of the, or each, control valve.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze movement data, and determine driving trips associated driving data based on the received movement data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and the like. One or more driving trips may be identified based on the movement data collected by the mobile devices, including acceleration data, speed data, and rotation rate data. After identifying a driving trip, the previously collected movement data and/or additional driving data may be analyzed to determine additional driving trip data, such as the driver, vehicle, and/or additional driving factors.

Abstract: Systems and methods in accordance with arrangements described herein can include identifying a variety of accounts associated with a user and determining a set of actions that can be taken with respect to the accounts. For instance, upon death of a user, a predetermined set of actions can be executed to transfer one or more assets as defined in a digital will. The accounts can be identified by scanning one or more accounts associated with the user. The accounts associated with the user and/or the account actions for the accounts can be automatically maintained over time. On an account transfer event, each of the accounts can be automatically transferred and/or closed in accordance with the determined account actions. In many embodiments, a password manager is maintained to facilitate the review of accounts and the performance of the appropriate actions on the occurrence of a transfer event.

Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to collect vehicle driving data and infrastructure data in response to a collision. Vehicle driving data may be received from a first vehicle involved in the collision and a second vehicle involved in the collision. Vehicle driving data may be received for vehicles within a defined radius of the first vehicle and/or the second vehicle. Infrastructure data from infrastructure elements within a defined vicinity of the first vehicle and/or the second vehicle may be received. The received data may be used to initiate an insurance claim, assess fault for the collision, and detect fraudulent claims.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: Systems and methods provide for an automated system for analyzing damage to process claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The enhanced claims processing server may submit a signal that locks one or more portions of an application on the mobile device used to submit the photos/videos. The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video. The photos may further be annotated using, for example, a touch screen display. An estimate, such as a cost estimate, may be determined for the damage associated with the insured item based on the photos and/or annotations.

Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: A driving accident simulation, having a head-wearable user interface (e.g., a head-worn virtual-reality display), may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: A memory scheduler in a hypervisor allocates physical memory to virtual machines (VMs) based on memory usages metrics generated within the VMs and provided to the hypervisor. More particularly, the memory scheduler determines an allocation target for each VM based on a guest-generated memory usage metric associated with the VM. The allocation target can be increased or decreased from its previous value to reflect changing needs in the VM. Physical memory is allocated when a VM requests it, and is reclaimed during a reclamation process based on its associated allocation target.

Abstract: A computer-assisted method for generating one or more insurance quotes for a user is described herein. A computing device of an insurance provider may generate a first insurance quote for the user. The computing device may receive from a database information identifying contacts for the user. In response to determining that at least one of the contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The computing device may generate a second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user. For example, the computing device may compare the insurance quote for the customer to the first insurance quote for the user. The first insurance quote may be adjusted to be within a predetermined amount of the insurance quote for the customer.

Abstract: A computer-assisted method for determining, such as by a computing device, a success rate for a presentation page included in a plurality of insurance presentations is described herein. Based on the success rate for the presentation page, a display of a recommendation for an insurance agent to include the presentation page in an insurance presentation for a customer may be generated. The insurance agent may select an option to include the presentation in the insurance presentation, and the selection may be received at a computing device. The insurance presentation may then be generated to include the presentation page.

Abstract: One or more driving analysis computing devices in a driving analysis system may be configured to analyze driving data, determine driving behaviors, and determine whether a collision is imminent or has occurred using vehicle-to-vehicle (V2V) communications. Determination of whether a collision has occurred may be based on X-axis, Y-axis, and Z-axis positional data from two vehicles. Driving data from multiple vehicles may be collected by vehicle sensors or other vehicle-based systems, transmitted using V2V communications, and then analyzed and compared to determine various driving behaviors by the drivers of the vehicles.

Abstract: Methods, computer-readable media, systems and apparatuses for determining a safest road segment for traveling between a first location and a second location are provided. In some cases, the road segment safety rating may be determined for a plurality of road segments between the first location and the second location based on historical data associated with the road segments (e.g., accident history data, traffic volume data, etc.) and/or based on driving behavior data of the operator of the vehicle. An indication of the road segment determined as being the safest may be provided to the operator of the vehicle. An actual route of travel of the vehicle can be captured and compared to the safest route. If the vehicle has traveled the safest route, the operator may earn an award. If not, the operator may be notified that an award may be earned when an indicated safest route is traveled.

Abstract: A personal information assistant computing system may include a user computing device having a processor and a non-transitory memory device storing instructions. The personal information assistant may receive a user accessible input as a natural language communication from the user, which may be analyzed by a personal information assistant to determine a task to be performed by the virtual information assistant. The personal information assistant may be personalized to the user using encrypted user information. The personal information assistant communicates with a remote computing system in performance of a computer-assisted task, wherein the first personal information assistant interacts as a proxy for the user in response to at least one response received from the remote computing system. The personal information assistant may communicate the results of the task to the user via a user information screen and/or an audio device.

Abstract: An automated safety notification system is proposed herein in which one or more safe zone access points may be physically deployed to one or more safe zones associated with a disaster area. If a person with a mobile phone or other mobile device enters the safe zone, the safe zone access point may detect the presence of the mobile device and perform certain functions in response to the detection. For example, the safe zone access point may initiate contact of a predetermined plurality of contacts that the person may have already designated before the disaster. The safe zone access point may also be used to initiate an insurance claim.

Abstract: A personal information assistant computing system may include a user computing device having a processor and a non-transitory memory device storing instructions. The personal information assistant may receive a user accessible input as a natural language communication from the user, which may be analyzed by a personal information assistant to determine a task to be performed by the virtual information assistant. The personal information assistant may be personalized to the user using encrypted user information. The personal information assistant communicates with a remote computing system in performance of a computer-assisted task, wherein the first personal information assistant interacts as a proxy for the user in response to at least one response received from the remote computing system. The personal information assistant may communicate the results of the task to the user via a user information screen and/or an audio device.

Abstract: Aspects of the disclosure relate to a system and method for cryptographically protecting data transferred between spatially distributed computing devices. An intermediary database may be used to facilitate the protected data transfer and/or record the data transfers. A first computing device may transfer, to the intermediary database, encrypted data that may be securely transferred to other computing devices. A second computing device may generate a GUI used to view data available from the intermediary database. Once data is selected by the second device, the second device may transfer a key (or other encryption mechanism) to the first device. The first computing device may encrypt the data using the received key and transmit the encrypted data to the intermediary database. The intermediary database may transmit the encrypted data to the second computing device, and the second computing device may decrypt and use the data.