Vehicle telematics road warning system and method
AssigneeHartford Fire Insurance Company
InventorsSteven J. Fernandes, Steven R. Feero
Life of this patent
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Abstract
A system and method are disclosed herein to determine an insurance premium discount based on telematics data. The system includes a computer memory and a processor in communication with the computer memory. The computer memory stores data indicative telematics data received from a sensor within a vehicle, including at least one of geo-position information of the vehicle and vehicle kinematics data. The processor is configured to identify safety events and associated safety event locations based on the telematics data. The processor is further configured to display to the driver indications of the safety events on a map display along with indications of safety events associated with other drivers.
Claims16
A road condition warning computer system, comprising:
- one or more non-transitory data storage devices storing processed telematics data, wherein the processed telematics data is based on location data and kinematic data received from a sensor within a first vehicle;
- one or more computer processors in communication with the one or more data storage devices;
- a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to:
- identify, based on the stored processed telematics data, deceleration related safety events associated with the first vehicle and a location corresponding to each of the identified deceleration related safety events;
- and
- receive, based on telematics data received from sensors in other vehicles, deceleration related safety events data of the other vehicles and a location corresponding to each of the identified deceleration related safety events, and
- identify whether deceleration related safety events of the first vehicle and of the other vehicles have occurred at a same location;
- responsive to a determination that a threshold number, greater than one, of deceleration related safety events have occurred at the same location, automatically generate and transmit a notification to a community resource computer system containing data indicative of the location and the deceleration related safety events.
A computer-implemented road condition warning method comprising:
- receiving, by one or more computer processors, processed telematics data based on location data and kinematic data collected by a sensor within a first vehicle;
- identifying, by the one or more computer processors, based on the received processed telematics data, deceleration related safety events associated with the first vehicle and a location corresponding to each of the identified deceleration related safety events;
- receiving, by the one or more computer processors and based on telematics data received from sensors within other vehicles, deceleration related safety events data of the other vehicles and a location corresponding to each of the identified deceleration related safety events, and
- identifying, by the one or more computer processors, whether deceleration related safety events of the first vehicle and of the other vehicles have occurred at a same location;
- responsive to a determination that a threshold number, greater than one, of deceleration related safety events have occurred at the same location, automatically generating and transmitting a notification to a community resource computer system indicative of the same location and the deceleration related safety events.
Dependencies are inferred from the claim text.