Abstract: A system and method are provided for improving vehicle awareness and safety by generating and transmitting alerts in response to detecting a hazard in the environment omnidirectional to a vehicle awareness system. Omnidirectional environment data, representing kinematic information pertaining to one or more physically detectable elements omnidirectional to the primary vehicle, is acquired by one or more sensors communicatively coupled to ta vehicle. The system analyzes the omnidirectional environment data to detect if one or more hazards in the omnidirectional environment data, representing a change in the kinetic behavior of the one or more physically detectable elements omnidirectional to the vehicle awareness system, has occurred. When the system detects one or more hazards in the omnidirectional environment data, the system generates and transmits an alert to vehicles, vehicle operators, mobile devices, or pedestrians at risk from the hazard.

Abstract: The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.

Abstract: A computer-implemented method for providing data associated with insured losses is presented. Data regarding an event that is a cause of the insured losses may be received. Respective indications of locations of properties insured by an insurance provider and sustaining the insured losses may be received. Image data from at least one image capturing device, where the image data is obtained from an aerial view of the properties and indicative of respective conditions of the properties, may be received. The image data may be processed to determine, for each property, an indication of the respective condition. The data associated with the insured losses may be provided via a user interface. The data associated with the insured losses may include (i) the respective indications of the locations of the properties, and (ii) the indications of the respective conditions of the properties.

Abstract: Systems and methods for control systems for facilitating situational awareness of a vehicle are provided. Sensors located around a vehicle may detect moving objects located in one or more vehicle blind spots. These moving objects pose potentially dangerous situations for the vehicle occupants and for the object. The sensors may further determine that the moving object is a cyclist approaching a vehicle blind spot, and that the vehicle is parked. Processors associated with the vehicle may then direct a corrective action, such as automatically locking the vehicle doors, to prevent a vehicle-cyclist collision. The systems and methods provided herein may thereby make these and similar situations safer.

Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.

Abstract: Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for the area based upon a comparison between the number of expected collisions and the number of observed collisions. The systems and methods may further generate a notification of a travel route for a vehicle based on the risk index.

Abstract: Various techniques are described utilizing unmanned aerial vehicles (UAVs, or “drones”) for various disaster and/or catastrophe-related purposes. An area at risk of an insurance-related event (catastrophe, hurricane, natural disaster, wild fire, etc.) that requires evacuation may be determined, as well as insured premises or assets within that area. With an insured's permission, drones may be directed to the area to collect image or other data of insured premises or assets before, during, or after the event strikes. The drone data may be received and analyzed to identify losses to insured assets that should properly be classified as theft losses for insurance purposes. Insurance claims may be prepared or adjusted for insureds based upon the theft losses in accordance with various types of insurance policies (auto, home, personal articles, etc.) or endorsements to ensure that insureds are properly and promptly reimbursed for the theft losses.

Abstract: A system and method are provided for improving vehicle awareness and safety by generating and transmitting alerts in response to detecting a hazard in the environment omnidirectional to a vehicle awareness system. Omnidirectional environment data, representing kinematic information pertaining to one or more physically detectable elements omnidirectional to the primary vehicle, is acquired by one or more sensors communicatively coupled to ta vehicle. The system analyzes the omnidirectional environment data to detect if one or more hazards in the omnidirectional environment data, representing a change in the kinetic behavior of the one or more physically detectable elements omnidirectional to the vehicle awareness system, has occurred. When the system detects one or more hazards in the omnidirectional environment data, the system generates and transmits an alert to vehicles, vehicle operators, mobile devices, or pedestrians at risk from the hazard.

Abstract: Various techniques are described utilizing one or more unmanned aerial vehicles (UAVs, or “drones”) for various disaster and/or catastrophe-related purposes. UAVs may collect data in an attempt to predict the occurrence and/or extent of a catastrophe and/or to mitigate the impact of a catastrophe before and, if not at that time, once it has occurred. The UAVs may perform various tasks such that the damage to property caused by a catastrophe (or potential catastrophe) may be eliminated or mitigated. The drone data may be transmitted by the UAVs to an external computing device, which may be associated with an insurer and used, with an insured's permission, to begin and/or facilitate an insurance claim process or other various insurance-related tasks. Damage to insured property may be estimated from the drone data, and proposed or estimated insurance claims may be generated for customer review, modification, or approval.

Abstract: A system and method are provided for improving vehicle awareness and safety by generating and transmitting alerts in response to detecting a hazard in the environment omnidirectional to a vehicle awareness system. Omnidirectional environment data, representing kinematic information pertaining to one or more physically detectable elements omnidirectional to the primary vehicle, is acquired by one or more sensors communicatively coupled to ta vehicle. The system analyzes the omnidirectional environment data to detect if one or more hazards in the omnidirectional environment data, representing a change in the kinetic behavior of the one or more physically detectable elements omnidirectional to the vehicle awareness system, has occurred. When the system detects one or more hazards in the omnidirectional environment data, the system generates and transmits an alert to vehicles, vehicle operators, mobile devices, or pedestrians at risk from the hazard.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.

Abstract: Systems and methods for control systems for facilitating situational awareness of a vehicle are provided. Sensors located around a stationary vehicle may detect moving objects that pose potentially dangerous situations for the vehicle occupants and for the object. This can cause the doors to lock automatically in order to make the situation safer. Additionally, electromagnetic radiation sensors located around the vehicle may detect the lights and sounds of emergency vehicles. If the electromagnetic data from the electromagnetic radiation sensors match a known pattern of electromagnetic data emitted by emergency vehicles stored in a library an alarm may be sounded through the speakers of the vehicle in order to alert the vehicle occupants of an emergency vehicle in the vicinity.

Abstract: An automatic alarm system for a vehicle includes a sensor adapted to detect electromagnetic data, a computer system, and an automatic alarm mechanism. The computer system receives data from the sensor. A computer processor compares the electromagnetic data detected by the sensor with known patterns of electromagnetic data emitted by emergency vehicles that are stored in a library. The automatic alarm mechanism activates in response to the processor determining that the comparison matches a known pattern of electromagnetic data for an emergency vehicle resulting in the computer processor sending a first signal to activate an alarm of the vehicle.

Abstract: Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for the area based upon a comparison between the number of expected collisions and the number of observed collisions. The systems and methods may further determine one or more travel routes for a vehicle based upon the calculated risk index. The systems and methods may further display a notification depicting the one or more travel routes to facilitate routing of the vehicle that avoids traversing the area.

Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding an insured or potentially insured asset, such as with the insurance customer's permission, and collect data related to the insured or potentially insured asset, such as size, height, roof shape, materials (siding, roofing), etc. which may form a basis of the underwriting detail used to evaluate a property. The drone data may reveal site characteristics, such as slope or grade of a parcel; the proximity to other structures (and their uses); trees; rivers; coastlines; and earthquake faults. The drone data may be used by an insurance provider remote server to assess the risk associated with an insured asset, generate or modify an insurance premium or discount, etc. The drone data may also be used to mitigate risk and prevent loss by alerting policyholders of the risk such that corrective action may be taken.

Abstract: Systems and methods are disclosed for adjusting autonomous vehicle driving behavior. A controller of the autonomous vehicle may utilize an aggression factor to adjust control of the autonomous vehicle. The autonomous vehicle may detect one or more characteristics of proximate vehicles, analyze the one or more characteristics to estimate an aggression level of the proximate vehicles, and adjust the aggression factor based on the estimated aggression level.

Abstract: Systems and methods are disclosed for identifying high risk parking lots. High risk parking lots may be, for example, parking lots that pose a higher than average risk of collisions and/or theft. Auto insurance claim data may be analyzed to identify hazardous areas. A virtual navigation of roads within the hazardous area may be identified. Public parking lots within the virtual navigation map may be defined, with each public parking lot determined as either in a hazardous area or not. A vehicle may be determined to be approaching or parking in a parking lot in a hazardous area, and a nearby public parking lot not associated with the hazardous area may be selected instead. A route from a current position to the nearby public parking lot may be generated, and the vehicle may be routed to the nearby public parking lot. As a result, collisions and thefts may be reduced.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively survey an area or be dispatched to the scene of a vehicle collision or crash, such as with an insured's permission, and collect data related to the vehicle collision or crash, such as vehicle data, insurer data, images, video, audio, weather conditions, etc., and transmit this data to a computing device. The computing device may be associated with an insurer and/or utilized by an insurer to perform insurance-related tasks, such as processing the data to assign fault to one or more parties or vehicles, such as autonomous vehicles, involved in the vehicle collision or crash, using the fault assignment to open or otherwise process an insurance claim, modifying a premium price, updating qualified discounts, etc. The drone data may also assist an insurer in opening an insurance claim by prepopulating fields associated with a submitted claim form.