Abstract: A method includes receiving external data including a plurality of data points indicative of a plurality of respective states of an environment external to a vehicle. The external data is data that was received by the vehicle from a handheld mobile communication device external to the vehicle (e.g., a mobile communication device of a pedestrian) via a wireless link, and is indicative of objects sensed by the handheld mobile communication device. The method also includes storing the external data in a memory, generating a virtual model of an event (e.g., accident) involving at least one vehicle using the stored plurality of data points, and causing the virtual model of the event to be displayed.

Abstract: Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated.

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: A method includes receiving and storing operational data including a first plurality of data points indicative of a plurality of respective states of an operational parameter of the vehicle at a plurality of respective times, external data including a second plurality of data points indicative of a plurality of respective states of an environment external to the vehicle at a plurality of respective times, and synchronization data. The method also includes generating a virtual model of an event involving the vehicle using the stored data, at least by generating a first visual representation of the plurality of respective states of the operational parameter, generating a second visual representation of the plurality of respective states of the external environment, and using the synchronization data to cause the first visual representation to be displayed simultaneously with, and in a time-aligned manner with, the second visual representation.

Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle, storing the received sensor data in the memory, and determining, via the one or more processors and based on the stored sensor data, an identifying characteristic of a second vehicle different than the first 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 select a travel route for a vehicle based upon the risk index.

Abstract: The present disclosure generally relates to a computer implemented system and method for automatically generating insurance policy related data. The system and method may determine a vehicle operator and generate empirical vehicle operator identity data. The system and method may further acquire empirical vehicle operation data related to the actual vehicle operator, and correlate the empirical vehicle operator identity data and the empirical vehicle operation data to generate vehicle insurance policy related data. The system and method may further include processing one or more insurance options, including underwriting and pricing, based at least in part on the vehicle insurance policy related data.

Abstract: A method and computer system provides vehicle insurance underwriting and ratings to a policy holder. The method and system receives captured sensor data associated with a vehicle from the policy holder. For example, the captured sensor data may include vehicle image and sound data. The method and system may compare the received data to baseline data to determine an operating condition of the vehicle. Based at least in part on the determined operating condition of the vehicle, the method and system may identify a risk of loss for the vehicle. The method and system may then determine an insurance premium for the vehicle based at least in part on the identified risk of loss, and provide the determined insurance premium to the policy holder. In some embodiments, the sensor data is image and sound data captured by a user's mobile phone.

Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

Abstract: A method includes receiving external data including a plurality of data points indicative of a plurality of respective states of an environment external to a vehicle. The external data is data that was received by the vehicle from a handheld mobile communication device of a pedestrian external to the vehicle via a wireless link, and is indicative of objects sensed by the handheld mobile communication device. The method also includes storing the external data in a memory, generating an animated re-creation of an event (e.g., accident) involving at least one vehicle using the stored plurality of data points, and causing the animated re-creation of the event to be displayed.

Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior. For example, the system may modify the customer's insurance policy data, send an e-mail, letter, gift card, coupon, points, or other incentive or disincentive for the customer based on the analysis.

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 a virtual model of an event involving the vehicle using the stored data, at least by generating a first visual representation of the plurality of respective states of the external environment, generating a second visual representation of the plurality of respective states of the operational parameter, and using the synchronization data to cause the first visual representation to be displayed simultaneously with, and in a time-aligned manner with, the second visual representation.

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, external data including a second plurality of data points indicative of an additional plurality of respective states of the external environment, and synchronization data. The external data is data that was received by the vehicle from a handheld mobile communication device of a pedestrian external to the vehicle via a wireless link, and is indicative of objects sensed by the handheld mobile communication device. 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: A method includes receiving first sensor data representing information collected, during a first time period, by a sensor located on or in a vehicle configured to sense an environment external to the vehicle, storing the data in a memory, processing the data to determine a first set of one or more characteristics of the external environment, and determining, based on the first set of characteristics, a first risk indicator representing a risk of loss during the first time period. The method also includes receiving second sensor data representing information collected, during a second time period, by the sensor, storing the data in the memory, and processing the data to determine a second set of one or more characteristics of the external environment. The method also includes determining, based on the second set of characteristics, a second risk indicator representing a risk of loss during the second time period.

Abstract: A computer system or computer-implemented method may provide incentives to an insured customer for receiving sensor data indicating risk-reducing and risk-increasing behavior during the policy term. In-vehicle sensors or other devices may gather information about the vehicle and its use during the policy term and send the information to a back-end system for analysis. Based on this analysis, the back-end system may determine that the received information is indicative of risk-reducing or increasing behavior. Upon confirmation that the information indicates risk-reducing or increasing behavior, the back-end system may perform one or more actions defined by a set of rules to establish an incentive or disincentive for the customer corresponding to the behavior.

Abstract: Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated.

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: 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: Methods and systems for offering and providing trip-based vehicle insurance are provided. Information is received regarding a vehicle operator and a vehicle, and trip-based insurance policies including quantities of vehicle use units are offered to the customer. Based on selected coverage types, the insurance provider may generate an insurance quote for a policy having an amount of the vehicle use units and may facilitate a purchase transaction with the customer for the insurance policy. Once a policy is selected and purchased, the system and method monitor vehicle use to determine each use of a vehicle use unit. Each vehicle use unit generally corresponds to one vehicle trip, but additional vehicle trip limitations may be added that may result in additional charges when exceeded during the course of a vehicle trip.

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.