US 8,799,034 B1 · Automated accident detection, fault attribution, and claims processing

Abstract

A communication module may receive communications from a vehicle. A collision detection module may determine that a collision has occurred at a vehicle based on one or more of the communications received from a vehicle. A participant identification module may identify one or more participants involved in the collision based on one or more communications received from the vehicle. A fault determination module may identify one of the participants as the at-fault participant based on a comparison of a fault determination ruleset to vehicle telematics data included in one or more of the communications received from the vehicle. A claims processing module may determine whether to file an insurance claim associated with one of the participants based on the estimated repair cost.

Claims20

Dependent claims

A computer-implemented method for automatically responding to a vehicle collision comprising:

receiving, through a communication module, one or more communications from a vehicle;
determining, automatically at a collision detection module, that a collision involving the vehicle has occurred based, at least in part, on one or more of the communications;
identifying, automatically at a participant identification module, one or more participants involved in the collision based, at least in part, on one or more of the communications;
and
selecting, automatically at a fault determination module, one of the participants as an at-fault participant based, at least in part, on a comparison of a fault determination ruleset to vehicle telematics data included in one or more of the communications.

2 more elements

A system for automatically responding to a vehicle collision comprising:

a communication module configured to communicate with a vehicle;
a data store configured to store vehicle telematics data, vehicle diagnostic data, and a fault determination ruleset;
and
a processor configured to
i) determine that a collision involving the vehicle has occurred based, at least in part, on one or more communications received from the vehicle,
ii) identify one or more participants involved in the collision based, at least in part, on one or more of the communications,
iii) select one of the participants as an at-fault participant based, at least in part, on a comparison of a fault determination ruleset to the vehicle telematics data,
iv) calculate an estimated repair cost based, at least in part, on the vehicle diagnostic data, and
v) determine whether to file an insurance claim associated with one of the participants that includes the estimated repair cost.

6 more elements

A non-transitory computer-readable storage medium having computer-readable instructions stored thereon that, when executed by a processor, cause the processor to perform steps for automatically responding to a vehicle collision, the steps comprising:

receiving one or more communications from a vehicle;
determining that a collision involving the vehicle has occurred based, at least in part, on one or more of the communications;
identifying one or more participants involved in the collision based, at least in part, on one or more of the communications;
selecting one of the participants as an at-fault participant based, at least in part, on a comparison a fault determination ruleset to vehicle telematics included in one or more of the communications;
calculating an estimated repair cost based, at least in part, on vehicle diagnostic data included in one or more of the communications;
and
filing an insurance claim associated with one of the participants that includes the estimated repair cost.

4 more elements

Dependencies are inferred from the claim text.

Automated accident detection, fault attribution, and claims processing

Life of this patent

Automated accident detection, fault attribution, and claims processing

Life of this patent

Abstract

Claims20