Ride for hire

A method comprising:

• generating a ride hailing application;
• transmitting the ride hailing application to a mobile device of a driver of a vehicle for execution on the mobile device;
• receiving, from a telematics device located within the vehicle and one or more sensors of the mobile device and via a wireless connection, telematics data indicating an accident of the vehicle associated with the mobile device and comprising at least a time associated with the accident and a location of the accident obtained from a location receiver of the mobile device;
• automatically generating and sending, in response to determining an occurrence of the accident from the telematics data, a metadata request to the ride hailing application executed by the mobile device of the driver, the metadata request comprising the request for metadata of a ride hailing application installed on the mobile device, the metadata comprising an indication of interaction with the ride hailing application by the driver during the time of the accident as indicated by the telematics data;
• receiving, in response to the metadata request and by an endorsement computing device, the metadata of the ride hailing application for the driver, wherein the metadata comprises one or more events, associated with the driver and the ride hailing application, and one or more corresponding timestamps for the one or more events each indicating that the driver was interacting with the ride hailing application, installed on the mobile device of the driver, at the time associated with the accident;
• determining, based on the metadata received from the mobile device, a period of use of a plurality of periods of use of the ride hailing application executed on the mobile device during which the accident occurred;
• in response to determining that the accident occurred while the driver was engaged in or available for providing the ride hailing services and the period of use of the plurality of periods of use of the ride hailing application executed on the mobile device during which the accident occurred, computing one or more coverage amounts of an endorsement policy based on a personal insurance policy of the driver and an insurance policy of the driver associated with the ride hailing services;
• sending, to a web browser executing on the mobile device and via a wireless network, a third message for display on the web browser executing on the mobile device, the third message comprising the one or more coverage amounts;
• generate and transmit a notification to the mobile device based on a determination that the driver was interacting with the ride hailing application, the notification comprising an identification of the period of use of the plurality of periods of use of the ride hailing application executed on the mobile device during which the accident occurred;
• and
• alter, based on the transmitted notification, an operational state of the ride hailing application executed by the mobile device.

A system comprising:

• an endorsement server comprising:
• a processing unit comprising a processor;
• and
• a memory unit storing computer-readable instructions that, when executed by the processing unit, cause the system to:
• generate a ride hailing application;
• transmit the ride hailing application to a mobile device of a driver of a vehicle for execution on the mobile device
• receive, from a telematics device located within the vehicle and one or more sensors of the mobile device and via a wireless connection to the processor, telematics data indicating an accident of the vehicle associated with the mobile device and comprising at least a time associated with the accident and a location of the accident obtained from a location receiver of the mobile device;
• automatically generate and send, in response to determining an occurrence of the accident from the telematics data, a metadata request to the ride hailing application executed by the mobile device of the driver, the metadata request comprising the request for metadata of a ride hailing application installed on the mobile device of the driver, the metadata comprising an indication of interaction with the ride hailing application by the driver during the time of the accident as indicated by the telematics data;
• receive, in response to the metadata request and from the mobile device, the metadata of the ride hailing application for the driver, wherein the metadata comprises one or more events associated with the driver and the ride hailing application, and one or more corresponding timestamps for the one or more events each indicating that the driver was interacting with the ride hailing application, installed on the mobile device of the driver, at the time of the accident;
• determine, based on the metadata received from the mobile device, a period of use of a plurality of periods of use of the ride hailing application executed on the mobile device during which the accident occurred;
• generate and transmit a notification to the mobile device based on a determination that the driver was interacting with the ride hailing application, the notification comprising an identification of the period of use of the plurality of periods of use of the ride hailing application executed on the mobile device during which the accident occurred;
• and
• alter, based on the transmitted notification, an operational state of the ride hailing application executed by the mobile device.