Auto filing of insurance claim via connected car
A vehicle connected to an insurance provider includes: a sensor configured to collect sensor information about the vehicle; a control center connected to the sensor and configured receive the sensor information from the sensor, to detect an event using the sensor information, wherein the event includes a classification, and to transmit the sensor information and an indication of the event to the insurance provider; a claims processing module connected to the control center and configured to generate, upon detection of the event, a claim with the insurance provider using the sensor information; and an indicator configured to indicate a classification of the sensor information.
1. A vehicle comprising:
an engine;
a starter;
a sensor;
a display;
an indicator;
a GPS sensor;
a claims processing module;
a disabling module;
a control center comprising a processor and memory storing executable instructions that when executed by the processor causes the processor to perform the steps of:
receiving information from the sensor and location information from the GPS sensor;
determining that the received information exceeds a threshold and based on the determination:
generating a classification associated with the determination;
activating a disabling module;
activating the indicator;
transmitting the information, location information and classification to an insurance provider computer and to the claims processing module;
generating a recommendation; and,
displaying the generated recommendation on the display;
wherein the claims processing module is connected to the control center, and the claims processing module is configured to:
receive the information, location information and classification from the control center;
generate, based on the received information, location information, classification and the determination that the received information exceeds the threshold, a claim;
determine an apportionment of liability based on the received information, location information and classification, and add the apportionment to the claim; and,
send the claim with the added apportionment to the insurance provider computer; and
wherein the disabling module is connected to the control center, and the disabling module is configured to:
disable either the engine or the starter based on the determination that the received information exceeds the threshold.
2. The vehicle of claim 1 , wherein the apportionment of liability is in favor of a driver of the vehicle upon determining that an event associated with the classification is an impact on a rear-end of the vehicle and the vehicle is one of static or in a state of forward motion.
3. The vehicle of claim 1 , wherein
the sensor is a camera;
the vehicle includes a second sensor that is an accelerometer; and
the apportionment of liability includes an aggregation of the sensor information from the sensor and the second sensor.
4. The vehicle of claim 1 , wherein the claims processing module automatically generates an estimate of a severity of an event associated with the classification and a cost to fix damage associated with the claim based on the sensor information and the location information.
5. The vehicle of claim 1 , wherein the disabling module is an engine disabler.
6. The vehicle of claim 1 , wherein the classification includes one or more of water damage, front-end damage, rear-end damage, airbags deployed, fire event, roll-over event, and tire air pressure lost.
7. The vehicle of claim 1 , wherein the classification includes categorization into low, moderate, or high amounts of damage detected.
8. The vehicle of claim 1 , further comprising a second sensor, wherein the classification includes an aggregation of the sensor information from the sensor and the second sensor.