Alert notifications utilizing broadcasted telematics data
AssigneeState Farm Mutual Automobile Insurance Company
InventorGregory Hayward
Life of this patent
Estimating the term…
Loading patent…
AssigneeState Farm Mutual Automobile Insurance Company
InventorGregory Hayward
Estimating the term…
Geographic location data and telematics data may be collected in real-time by a mobile device within a vehicle, or the vehicle itself. The telematics data may indicate vehicle direction, speed, motion, etc., as well as traffic hazards in the surrounding environment. A remote server may receive the location and telematics data from two vehicles. If an anomalous or hazardous condition exists in the vicinity of the first vehicle, a geographic relationship with the second vehicle is determined, and if within a predetermined distance, an alert or alternate route for the second vehicle is determined and transmitted to the second vehicle. As a result, a negative impact or risk of collision caused by the anomalous condition on the second vehicle is alleviated. The amount of the insured's usage of the telematics data-based risk mitigation or prevision functionality may be used to calculate or adjust insurance premiums, rates, or discounts.
A computer-implemented method, comprising:
A non-transitory, tangible computer-readable medium storing machine readable instructions for generating alerts that, when executed by a processor, cause the processor to:
A first mobile computing device located within a first vehicle, comprising:
Dependencies are inferred from the claim text.