# US 8,788,298 B2 · Systems and methods for providing a safe driving and vehicle related electronic community > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,788,298 B2 - Document ID: US8788298B2 - Status: Granted - Kind: B2 - Application number: 13/227,306 - Filed: 2011-09-07 - Published: 2012-03-08 - Granted: 2014-07-22 - Earliest claimed: 2010-09-07 - Assignees: Collision Guard Inc. - Applicants: Brian Nichols; Dan Nichols; James Nichols; Linda Nichols; Russ Nichols - Inventors: Brian Nichols; Dan Nichols; James Nichols; Linda Nichols; Russ Nichols - Web page: https://patentgrep.com/patent/US8788298B2 ## CPC - G06Q 30/0241: Advertisements - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 30/0269: {based on user profile or attribute} - G06Q 40/08: Insurance - 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 ## Abstract An online safe driver community having driving and vehicle related information and services made available to members of the community. A method for covering costs associated with an insurance deductible. ## Claims ### Claim 1 A method, implemented by one or more processors of a computer system, of reimbursing a cost associated with an insurance deductible, the method comprising: providing an online safe driver community including providing a website through which individuals register to be members of the safe driver community, the safe driver community including a reimbursement program for reimbursing an individual for the payment of an insurance deductible to an insurance company; receiving, by the one or more processors, a plurality of requests from individuals requesting to join the online safe driver community, wherein the requests include a payment of a fee to enroll in the reimbursement program, and wherein at least one of the individuals receives insurance coverage from a different insurance company than at least one other individual; receiving, by the one or more processors, a request from a first individual enrolled in the reimbursement program, the request requesting that a payment of an insurance deductible be reimbursed, the payment being made by the first individual to a first insurance company from which the first individual receives insurance covering the first individual's vehicle; and sending, by the one or more processors, an amount of money to reimburse the first individual for the payment of the insurance deductible to the first insurance company, the amount of money being at least a portion of the amount of the insurance deductible paid by the first individual. ### Claim 2 (depends on 1) The method of claim 1, wherein the amount of money sent to the first individual is obtained at least partially from the fees paid by the individuals to enroll in the reimbursement program. ### Claim 3 (depends on 1) The method of claim 1, further comprising: prior to enrolling an individual in the reimbursement program, determining, by the one or more processors, that the individual's insurance coverage includes a deductible below a specified amount. ### Claim 4 (depends on 1) The method of claim 1, wherein the amount of money sent to the first individual is based on the amount of money paid by the first individual to enroll in the reimbursement program. ### Claim 5 (depends on 1) The method of claim 1, further comprising: prior to enrolling an individual in the reimbursement program, determining, by the one or more processors, that the individual is qualified for the reimbursement program based on the number of accidents or traffic citations the individual has been in. ### Claim 6 (depends on 1) The method of claim 1, further comprising: receiving, from a member of the safe driver community, information about the member's vehicle; and providing content to the member that is customized based on the information about the member's vehicle. ### Claim 7 (depends on 6) The method of claim 6, wherein the customized content comprises one or more of: maintenance information based on the manufacturer's recommendations for the member's vehicle; or repair information based on member supplied information that is specific to the member's vehicle. ### Claim 8 (depends on 7) The method of claim 7, wherein the repair information is based on usage information of the member's vehicle. ### Claim 9 (depends on 7) The method of claim 7, wherein the repair information is based on diagnostics of the member's vehicle provided by the member. ### Claim 10 (depends on 1) The method of claim 1, further comprising: providing, via the website, safe driving information to a member of the safe driver community. ### Claim 11 (depends on 7) The method of claim 7, wherein the repair information is based on content that the member has viewed within the online safe driver community. ### Claim 12 (depends on 11) The method of claim 11, wherein the content that the member has viewed comprises one or more repair videos. ### Claim 13 (depends on 1) The method of claim 1, further comprising: providing, via the website, live support to members of the safe driver community, wherein the live support is provided by one or more mechanics. ### Claim 14 (depends on 13) The method of claim 13, wherein the one or more mechanics are located within a specified proximity of a member requesting live support. ### Claim 15 (depends on 6) The method of claim 6, wherein providing the content to the member that is customized based on the information about the member's vehicle comprises sending one or more communications to a portable computing device of the member. ### Claim 16 One or more non-transitory computer storage media storing computer executable instructions which when executed by one or more processors implement a method for reimbursing a cost associated with an insurance deductible, the method comprising: providing an online safe driver community including providing a website through which individuals register to be members of the safe driver community, the safe driver community including a reimbursement program for reimbursing an individual for the payment of an insurance deductible to an insurance company; receiving, by the one or more processors, a plurality of requests from individuals requesting to join the online safe driver community, wherein the requests include a payment of a fee to enroll in the reimbursement program, and wherein at least one of the individuals receives insurance coverage from a different insurance company than at least one other individual; receiving, by the one or more processors, a request from a first individual enrolled in the reimbursement program, the request requesting that a payment of an insurance deductible be reimbursed, the payment being made by the first individual to a first insurance company from which the first individual receives insurance covering the first individual's vehicle; and sending, by the one or more processors, an amount of money to reimburse the first individual for the payment of the insurance deductible to the first insurance company, the amount of money being at least a portion of the amount of the insurance deductible paid by the first individual. ### Claim 17 (depends on 16) The one or more non-transitory computer storage media of claim 16, wherein the amount of money sent to the first individual is obtained at least partially from the fees paid by the individuals to enroll in the reimbursement program. ### Claim 18 (depends on 16) The one or more non-transitory computer storage media of claim 16, wherein the method further comprises: prior to enrolling an individual in the reimbursement program, determining, by the one or more processors, that the individual's insurance coverage includes a deductible below a specified amount. ### Claim 19 (depends on 16) The one or more non-transitory computer storage media of claim 16, wherein the amount of money sent to the first individual is based on the amount of money paid by the first individual to enroll in the reimbursement program. ### Claim 20 (depends on 16) The one or more non-transitory computer storage media of claim 16, wherein the method further comprises: receiving, from a member of the safe driver community, information about the member's vehicle; and providing content to the member that is customized based on the information about the member's vehicle.