Vehicle monitoring system
A data logging device tracks the operation of a vehicle or driver actions. The device includes a storage device, which may be removable or portable, having a first memory portion that may be read from and may be written to in a vehicle and a second memory portion that may be read from and may be written to in the vehicle. The second memory portion may retain data attributes associated with the data stored in the first removable storage device. A processor reads data from an automotive bus that transfers data from vehicle sensors to other automotive components. The processor writes data to the first memory portion and the second memory portion that reflect a level of risk or safety. A communication device links the storage device to a network of computers. The communication device may be accessible through software that allows a user to access files.
1. A system that monitors and facilitates a review of data collected from a vehicle that is used to determine a level of safety or cost of insurance comprising:
a processor that collects raw vehicle data that is used to operate the vehicle from the vehicle's bus;
a memory that stores the raw vehicle data that relates to an insurable risk in operating the vehicle, where the memory is configured to store the raw vehicle data at a periodic rate and at an aperiodic rate;
a wireless transmitter configured to transfer the raw vehicle data retained within the memory to a distributed network; and
a database operatively linked to a server to store the raw vehicle data transmitted by the wireless transmitter, the database stored in a storage system remote from the wireless transmitter and the memory that provides database operations for searching, writing, and retrieving the records stored in the storage system and other database operations;
where the server is configured to generate an insurance rating factor that reflects an associated level of insurance risk used to determine a corresponding insurance premium based on the raw vehicle data stored in the database;
where selection of the periodic rate or the aperiodic rate occurs in response to the amount of storage available in the memory and when the raw vehicle data meets a condition; and
where the wireless transmitter is further configured to transfer the raw vehicle data retained within the memory from a first vehicle to a second vehicle when a distributed network is unavailable.
2. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the insurance rating comprises a rating of the vehicle.
3. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the raw vehicle data is associated with a trigger event.
4. The system that monitors and facilitates a review of data collected from the vehicle of claim 3 where the trigger event causes an immediate upload of the raw vehicle data to the server.
5. The system that monitors and facilitates a review of data collected from the vehicle of claim 4 where the processor is configured to classify the raw vehicle data into two groups, those requiring immediate action and those not requiring immediate action but are required for insurance billing.
6. The system that monitors and facilitates a review of data collected from the vehicle of claim 5 where the classified raw vehicle data is stored in the memory in a single file in the vehicle.
7. The system that monitors and facilitates a review of data collected from the vehicle of claim 3 where the processor is configured to classify the raw vehicle data into two groups, those requiring immediate action and those not requiring immediate action.
8. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the raw vehicle data is stored in a first memory and the database is stored in a second memory remote from the first memory.
9. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the server is further configured to determine an actuarial tier of insurance.
10. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the raw vehicle data is generated by sensors that generate output used to operate the vehicle.
11. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the raw vehicle data is generated by vehicle powertrain sensors used to operate the vehicle.
12. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where wireless transmitter is configured to transfer the raw vehicle data on a periodic schedule.
13. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the processor stores calculated data elements.
14. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the processor stores derived data elements.
15. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the processor stores calculated data elements and derived data elements.
16. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the level of insurance risk comprises a level of an expected claims loss.
17. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the insurance rating factor is associated with an actuarial class.
18. The system that monitors and facilitates a review of data collected from the vehicle of claim 1 where the server is further configured to calculate a usage surcharge or discount for an insured.
19. A system that monitors and facilitates a review of data collected from a vehicle that is used to determine a level of safety or cost of insurance comprising:
a processor that collects vehicle data used to operate the vehicle from the vehicle's bus;
a first memory that stores the vehicle data that relates to an insurable risk in operating the vehicle, where the memory is configured to store the raw vehicle data at a frequent periodic rate and at a less frequent aperiodic rate;
a wireless transmitter configured to transfer the vehicle data retained within the memory to a distributed network and a server in response to a wireless processor; and
a database operatively linked to the server to store the vehicle data transmitted by the wireless transmitter, the database stored in a storage system retained in a second memory remote from the wireless transmitter and the first memory;
where the server is configured to process the vehicle data transmitted by the wireless transmitter with data that reflects how the vehicle data affects a premium of an insurance policy; and
where the server is further configured to generate a classification insurance rating factor that reflects an associated level of insurance risk associated with actuarial classes of insurance and also a corresponding insurance premium based on the processing of the vehicle data stored in the database;
where selection of the periodic rate or the aperiodic rate occurs in response to the amount of storage available in the memory and when the raw vehicle data exceeds a programmable condition; and
where the wireless transmitter is configured to cycle through two or more modulation schemes, one of the two or more modulation schemes is automatically selected by the wireless transmitter when a transmission of a series of request signals associated with one of the two or more transmission protocols by the wireless transmitter results in a valid response from the server.