# US 12,179,696 B2 · Methods of pre-generating insurance claims > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,179,696 B2 - Document ID: US12179696B2 - Status: Granted - Kind: B2 - Application number: 18/206,122 - Filed: 2023-06-06 - Published: 2023-10-12 - Granted: 2024-12-31 - Earliest claimed: 2014-07-21 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Thomas Michael Potter; Mark E. Clauss; Dustin Ryan Carter; Douglas Albert Graff; Megan Michal Baumann; Atlanta Bonnom; Craig Cope; Jennifer Luella Lawyer; Curtis Simpson; Nathan W. Baumann - Web page: https://patentgrep.com/patent/US12179696B2 ## CPC - B60R 25/04: operating on the propulsion system, e.g. engine or drive motor - B60R 25/102: a signal being sent to a remote location, e.g. a radio signal being transmitted to a police station, a security company or the owner - B60W 40/08: related to drivers or passengers - B60W 40/09: Driving style or behaviour - G06Q 40/08: Insurance - G08B 21/02: Alarms for ensuring the safety of persons - G08B 25/00: Alarm systems in which the location of the alarm condition is signalled to a central station, e.g. fire or police telegraphic systems - B60W 2030/082: {Vehicle operation after collision} - B60R: VEHICLES, VEHICLE FITTINGS, OR VEHICLE PARTS, NOT OTHERWISE PROVIDED FOR - B60W: CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G08B: SIGNALLING SYSTEMS, e.g. PERSONAL CALLING SYSTEMS; ORDER TELEGRAPHS; ALARM SYSTEMS ## Abstract In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification. ## Claims ### Claim 1 A computer-implemented method of analyzing mobile device-generated telematics data, the method comprising: generating, by a mobile device communicatively connected to a network and associated with a driver or an insured and located inside an insured vehicle during a vehicle accident, time-stamped accident data associated with the vehicle accident involving the driver, the time-stamped accident data including: vehicle telematics data generated before, during, and after the vehicle accident by the mobile device of the driver, and roadside telematics data generated by roadside equipment or infrastructure located near a location of the vehicle accident; analyzing the time-stamped accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the vehicle telematics data and at least one external condition based upon the roadside telematics data; and determining, based upon the analysis of the accident data, a severity of damage to the insured vehicle based at least upon the change in speed of the insured vehicle and the at least one external condition as determined by the time-stamped accident data. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein generating the time-stamped accident data further includes collecting data associated with, or generated by, the insured vehicle or a computer system of the insured vehicle. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein generating the time-stamped accident data further includes collecting data associated with, or generated by, a vehicle other than the insured vehicle. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein generating the time-stamped accident data further includes collecting data associated with, or generated by, vehicle-to-vehicle (V2V) communication. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the at least one external condition includes one or more of: real-time traffic condition, real-time construction condition, or real-time weather condition. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, the method further comprising: generating, by one or more remote servers, an estimated insurance claim based upon the determined severity of the damage to the insured vehicle. ### Claim 7 (depends on 6) The computer-implemented method of claim 6, the method further comprising: transmitting, via wireless communication, the estimated insurance claim from the one or more remote servers to the mobile device to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured; and receiving, at the one or more remote servers, a wireless communication from the driver or the insured indicating approval, rejection, or modification of the estimated insurance claim. ### Claim 8 (depends on 7) The computer-implemented method of claim 7, the method comprising adjusting, generating, or updating, at the one or more remote servers and based upon the estimated insurance claim, one or more insurance-related items, the one or more insurance related items including one or more of (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. ### Claim 9 A computer system for analyzing mobile device-generated telematics data, the system comprising: a mobile device communicatively connected to a network, the mobile device associated with a driver or an insured and located inside an insured vehicle during a vehicle accident, wherein the mobile device is configured to: generate vehicle telematics data of the insured vehicle, collect roadside telematics data generated by roadside equipment or infrastructure located near a location of the vehicle accident, and generate time-stamped accident data associated with the vehicle accident involving the driver, the time-stamped accident data including vehicle telematics data; and one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to: analyze the time-stamped accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the vehicle telematics data and at least one external condition based upon the roadside telematics data, and determine, based upon the analysis of the time-stamped accident data, a severity of a damage to the insured vehicle based upon the change in speed of the insured vehicle and the at least one external condition as determined by the time-stamped accident data generated by the mobile device. ### Claim 10 (depends on 9) The computer system of claim 9, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: generate an estimated insurance claim based upon the determined severity of the damage to the insured vehicle. ### Claim 11 (depends on 10) The computer system of claim 10, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: cause the estimated insurance claim to be transmitted, via wireless communication, to the mobile device to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured, and receive a wireless communication from the driver or the insured indicating approval, rejection, or modification of the estimated insurance claim. ### Claim 12 (depends on 11) The computer system of claim 11, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: adjust, generate, or update one or more insurance-related items based upon the estimated insurance claim, the one or more insurance-related items including one or more of (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. ### Claim 13 (depends on 9) The computer system of claim 9, wherein the time-stamped accident data further includes data associated with, or generated by, the insured vehicle or a computer system of the insured vehicle. ### Claim 14 (depends on 9) The computer system of claim 9, wherein the time-stamped accident data further includes data associated with, or generated by, a vehicle other than the insured vehicle. ### Claim 15 (depends on 9) The computer system of claim 9, wherein the time-stamped accident data further includes data associated with, or generated by, vehicle-to-vehicle (V2V) communication. ### Claim 16 (depends on 9) The computer system of claim 9, wherein the at least one external condition includes one or more of: real-time traffic condition, real-time construction condition, or real-time weather condition. ### Claim 17 A computer-implemented method of generating an estimated insurance claim from analysis of mobile device-generated telematics data, the method comprising: generating, by a mobile device communicatively connected to a network and associated with a driver or an insured and located inside the insured vehicle during a vehicle accident, time-stamped accident data associated with the vehicle accident involving the driver, the time-stamped accident data including: vehicle telematics data generated by the mobile device of the driver, and roadside telematics data generated by roadside equipment or infrastructure located near a location of the vehicle accident; analyzing the time-stamped accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the vehicle telematics data and at least one external condition based upon the roadside telematics data; determining, based upon the analysis of the time-stamped accident data, a severity of the vehicle accident based upon the change in speed of the insured vehicle and the at least one external condition as determined by the time-stamped accident data; and generating an estimated insurance claim based at least upon the determined severity of the vehicle accident. ### Claim 18 (depends on 17) The computer-implemented method of claim 17, the method further comprising: transmitting, via wireless communication, the estimated insurance claim from one or more remote servers to a mobile device of the driver or the insured for review, approval, or modification to facilitate prompt handling of the insurance claim. ### Claim 19 (depends on 18) The computer-implemented method of claim 18, the method further comprising receiving, at the one or more remote servers and from the mobile device of the driver or the insured, a wireless communication indicating rejection, approval, or modification of the estimated insurance claim. ### Claim 20 (depends on 19) The computer-implemented method of claim 19, the method further comprising: adjusting, generating, or updating, at the one or more remote servers and based upon the estimated insurance claim, one or more insurance-related items, the one or more insurance related items including one or more of (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward; and transmitting information indicative of the adjusted, generated, or updated insurance-related items from the one or more remote servers to the mobile device, to be displayed on the mobile device for review, modification, or approval by the driver or the insured.