Systems and methods for reconstruction of a vehicular crash

A computer-based method for reconstructing a vehicular crash, the computer-based method implemented on an accident monitoring (“AM”) server including at least one processor in communication with at least one memory device, the computer-based method comprising:

• monitoring, by a plurality of sensors embedded both within a vehicle and at least one mobile device associated with a user within the vehicle, sensor data of a vehicular crash including current surroundings and operating conditions of the vehicle, wherein the vehicular crash involves the vehicle that includes the user and the at least one mobile device, wherein the sensor data is based upon a period of time prior to a vehicular crash involving the vehicle and continuing through to a period of time after the vehicular crash, wherein the sensor data includes a current state of connectivity of the plurality of sensors, and wherein receiving a data stream of the sensor data validates the current state of connectivity;
• collecting, at the AM server from a vehicle controller and the at least one mobile device via a wireless communication channel, the sensor data of the vehicular crash;
• generating, by the AM server, a scenario model of the vehicular crash based upon the collected sensor data, wherein the scenario model recreates an accident scene of the vehicular crash including at least damage to the vehicle, wherein the scenario model includes a damage amount to the vehicle calculated based on a) a loss of connectivity of at least one sensor of the plurality of sensors included in the current state of connectivity, and b) a required amount of trauma corresponding to the loss of connectivity, wherein the scenario model is further based upon information from at least vehicle crash testing facilities and past analyzed crashes;
• determining, by the AM server, at least one potential injury to an occupant of the vehicle based upon the scenario model, wherein the at least one potential injury is associated with the required amount of trauma corresponding to the loss of connectivity;
• retrieving, by the AM server from the at least one memory device, the damage amount to the vehicle from the scenario model to populate data fields included within at least one virtual insurance claim form;
• and
• populating, by the AM server, data field of at least one insurance claim form based upon the at least one virtual insurance claim form.