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公开(公告)号：US20230267551A1
公开(公告)日：2023-08-24
申请号：US18111206
申请日：2023-02-17
Inventor： Edward W. Breitweiser , Ryan Gross , Jeffrey W. Stoiber , Craig Cope , Christopher N. Kawakita , Matthew L. Floyd
CPC classification number: G06Q40/08 , G06T19/006 , G06Q10/20 , G07C5/008
Abstract: Embodiments of extended reality (XR) methods and systems for processing vehicle-related insurance claims are disclosed. In one embodiment, a computer-implemented method may include: (i) obtaining, using one or more XR devices, first data representing insured party XR preferences, and second data related to a damage-causing event for a vehicle; (ii) creating, using one or more processors and based upon the second data, a virtual reconstruction of the damage-causing event; and/or (iii) presenting, in a virtualized environment in accordance with the XR preferences via an XR device, the virtual reconstruction such that the insured party or an insurance representative may view, alter, and/or approve the virtual reconstruction.
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公开(公告)号：US11708050B2
公开(公告)日：2023-07-25
申请号：US17576152
申请日：2022-01-14
Inventor： 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
CPC classification number: B60R25/04 , B60R25/102 , B60W40/08 , B60W40/09 , G06Q40/08 , G08B21/02 , G08B25/00 , B60W2030/082
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.
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公开(公告)号：US20230202426A1
公开(公告)日：2023-06-29
申请号：US18117585
申请日：2023-03-06
Inventor： 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
CPC classification number: B60R25/04 , G08B25/00 , G06Q40/08 , B60R25/102 , B60W40/09 , B60W40/08 , G08B21/02 , B60W2030/082
Abstract: In system and methods for loss mitigation, 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. A communication related to emergency assistance or an emergency assistance recommendation 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. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.
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54.发明申请公开(公告)号：US20230130493A1
公开(公告)日：2023-04-27
申请号：US18087095
申请日：2022-12-22
Inventor： 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
Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
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公开(公告)号：US20220138861A1
公开(公告)日：2022-05-05
申请号：US17576152
申请日：2022-01-14
Inventor： 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
IPC: G06Q40/08
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.
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Patent Agency Ranking
公开(公告)号：US11257163B1
公开(公告)日：2022-02-22
申请号：US16038259
申请日：2018-07-18
Inventor： 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
IPC: G06Q40/08
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.
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57.发明授权公开(公告)号：US11107164B1
公开(公告)日：2021-08-31
申请号：US16736996
申请日：2020-01-08
Inventor： Justin Davis , Kristopher Keith Gaudin , Craig Cope
IPC: H04W4/20 , G06Q40/08 , H04W4/02 , H04R29/00 , G01S15/74 , H04R1/40 , G07C5/02 , G05D1/02 , B60C23/02
Abstract: The systems and methods may transmit a plurality of locationing pulse requests from a mobile device in a vehicle to an audio system of the vehicle during a period of operation of the vehicle. The audio system may have an array of speakers disposed inside the vehicle, and the locationing pulse requests may include a request to emit a locationing pulse from the array of speakers. The systems and methods may further receive the locationing pulse at a microphone of the mobile device; and generate or update a vehicle usage profile based upon the receiving operation. The vehicle usage profile may include occupancy data of one or more seats inside the vehicle. The systems and methods may further transmit a recommendation to a person associated with the mobile device. The recommendation may be based upon the vehicle usage profile, and may relate to vehicle operation or insurance.
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公开(公告)号：US10997849B1
公开(公告)日：2021-05-04
申请号：US16685392
申请日：2019-11-15
Inventor： Thomas Michael Potter , Mark E. Clauss , Dustin Ryan Carter , Megan Michal Baumann , Atlanta Bonnom , Craig Cope , Jennifer Luella Lawyer , Curtis Simpson , Nathan W. Baumann , Douglas Albert Graff
Abstract: A method of vehicle accident response includes generating telematics data associated with operation of a vehicle via a mobile device inside the vehicle. The method further includes transmitting the telematics data to one or more remote servers from the mobile device and analyzing the telematics data to determine that an accident involving the vehicle has occurred. Still further, the method includes transmitting a communication to the mobile device in response to determining that the accident has occurred. The method further includes displaying, by a mobile device application of the mobile device, the communication, the communication including a list of next steps that the driver should take after the accident.
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公开(公告)号：US20210053579A1
公开(公告)日：2021-02-25
申请号：US17092589
申请日：2020-11-09
Inventor： Kristopher Keith Gaudin , Andrew Joseph Zeglin , Joseph Harr , Aaron Williams , Craig Cope
Abstract: A system and computer-implemented method detect and act upon deactivated vehicle components. The system and method include receiving measurements data associated with driving activity. The measurements data includes an indication that at least one feature of an Advanced Driver Assistance System (ADAS) of a vehicle has been deactivated for a driving activity. The system and method may include receiving historical driving data including a history of at least one driving activity aided by activation of the alert from the ADAS feature. The system and method may compare the measurements data to the historical driving data, determine a likelihood level that the feature of the ADAS would have provided the alert had the feature been activated based upon the comparing, and set, based at least upon the determining, at least a portion of an operator profile associated with an operator of the vehicle with the likelihood level.
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公开(公告)号：US10475127B1
公开(公告)日：2019-11-12
申请号：US14798633
申请日：2015-07-14
Inventor： 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
Abstract: A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.
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