Granted Patent B2

US 11,634,103 · App. 17/222,318 · Granted Apr 25, 2023

Inventors: Thomas Michael Potter (Normal, IL); Mark E. Clauss (Bloomington, IL); Dustin Ryan Carter (Normal, IL); Megan Michal Baumann (Bloomington, IL); Atlanta Bonnom (Denver, CO); Craig Cope (Bloomington, IL); Jennifer Luella Lawyer (Bloomington, IL); Curtis Simpson (Carlock, IL); Nathan W. Baumann (Bloomington, IL); Douglas Albert Graff (Bloomington, IL)

Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

B60R25/04B60R25/102B60W40/08B60W40/09G06Q40/08G08B21/02G08B25/00B60W2030/082

Abstract

Claims (63)

1. A computer-implemented method of vehicle accident response, the method comprising:

generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle;

transmitting, from the mobile device to one or more processors via wireless communication, the telematics data;

analyzing, by the one or more processors, the telematics data to determine that an accident involving the vehicle has occurred;

analyzing, by the one or more processors, the telematics data to determine whether the accident is a head-on collision between the vehicle and a second vehicle;

determining, by the one or more processors, based at least upon the telematics data and whether the accident is the head-on collision, a likelihood of injury due to the accident;

generating, by the one or more processors, a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred; and

transmitting, by the one or more processors the communication.

2. The computer-implemented method of claim 1 , wherein determining the likelihood of injury includes:

determining the likelihood of injury based upon accelerometer data included in the telematics data.

3. The computer-implemented method of claim 1 , wherein determining the likelihood of injury includes:

determining a likely severity of the accident.

4. The computer-implemented method of claim 1 , wherein generating the communication includes:

determining a third-party emergency service to recommend to a driver of the vehicle; and

including an indication of the third-party emergency service in the communication.

5. The computer-implemented method of claim 4 , further comprising:

receiving, by the one or more processors, a selection of the third-party emergency service from the mobile device; and

transmitting, by the one or more processors, a notification to emergency services to request the third-party emergency service.

6. The computer-implemented method of claim 4 , further comprising:

automatically transmitting, by the one or more processors, a notification to emergency services to request the third-party emergency service.

7. The computer-implemented method of claim 1 , further including:

receiving, at the one or more processors, user preferences selected using a mobile device application of the mobile device, the user preferences relating to preferred content of the communication; and

wherein generating the communication includes generating a customized communication including the preferred content based upon the user preferences.

8. A system for vehicle accident response, the system comprising:

a mobile device located inside a vehicle, wherein the mobile device is configured to generate telematics data associated with operation of the vehicle;

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to:

receive the telematics data from the mobile device;

analyze the telematics data to determine that an accident involving the vehicle has occurred;

analyze the telematics data to determine whether the accident is a head-on collision between the vehicle and a second vehicle;

determine, based at least upon the telematics data and whether the accident is the head-on collision, a likelihood of injury due to the accident;

generate a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred; and

transmit the communication.

9. The system of claim 8 , wherein the instructions cause the one or more processors to determine the likelihood of injury by:

determining the likelihood of injury based upon accelerometer data included in the telematics data.

10. The system of claim 8 , wherein the instructions cause the one or more processors to determine the likelihood of injury by:

determining a likely severity of the accident.

11. The system of claim 8 , wherein the instructions cause the one or more processors to generate the communication by:

determining a third-party emergency service to recommend to a driver of the vehicle; and

including an indication of the third-party emergency service in the communication.

12. The system of claim 11 , wherein the instructions further cause the one or more processors to:

receive a selection of the third-party emergency service from the mobile device; and

transmit a notification to emergency services to request the third-party emergency service.

13. The system of claim 11 , wherein the instructions further cause the one or more processors to:

automatically transmit a notification to emergency services to request the third-party emergency service.

14. The system of claim 8 , wherein the instructions further cause the one or more processors to:

receive user preferences selected using a mobile device application of the mobile device, the user preferences relating to preferred content of the communication; and

generate the communication including the preferred content based upon the user preferences.

15. A tangible, non-transitory computer-readable medium storing executable instructions for vehicle accident response that, when executed by one or more processors of a computer system, cause the computer system to:

receive telematics data generated by a mobile device located in a vehicle;

analyze the telematics data to determine that an accident involving the vehicle has occurred;

analyze the telematics data to determine whether the accident is a head-on collision between the vehicle and a second vehicle;

determine, based at least upon the telematics data and whether the accident is the head-on collision, a likelihood of injury due to the accident;

generate a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred; and

transmit the communication.

16. The computer-readable medium of claim 15 , wherein the instructions cause the computer system to generate the communication by:

determining a third-party emergency service to recommend to a driver of the vehicle; and

including an indication of the third-party emergency service in the communication.

17. The computer-readable medium of claim 16 , wherein the instructions further cause the computer system to:

receive a selection of the third-party emergency service from the mobile device; and

transmit a notification to emergency services to request the third-party emergency service.

18. The computer-readable medium of claim 16 , wherein the instructions further cause the computer system to:

automatically transmit a notification to emergency services to request the third-party emergency service.

Assignments (1)

Continuity (18)

Cited By (3)

US 12,288,465 US 12,314,873 US 12,365,308