INSURANCE TRACKING
Methods and systems for a complete vehicle ecosystem are provided. Specifically, systems that when taken alone, or together, provide an individual or group of individuals with an intuitive and comfortable vehicular environment. The present disclosure builds on integrating existing technology with new devices, methods, and systems to provide a complete vehicle ecosystem.
1 . A method for aggregating vehicle data for an insurance incentive or disincentive comprising:
collecting data from one or more sensors on a vehicle, the sensors including a perimeter sensor, a proximity sensor, a G-force sensor, and a global positioning service module, a mileage monitor and at least one of a biometric sensor and a law module;
storing the collected data, the stored data capable of being forwarded in real-time to a destination associated with an insurance company; and
evaluating the collected data, by at least one processor, to determine if a driver associated with the vehicle should receive the incentive or disincentive.
2 . The method of claim 1 , further comprising forwarding the stored data to one or more additional destinations at a later time.
3 . The method of claim 1 , further comprising detecting one or more of a date and time, whether vehicle doors are locked, whether vehicle windows are up, whether a vehicle top is up, whether the vehicle is carrying cargo and whether a vehicle sunroof is closed.
4 . The method of claim 1 , further comprising determining if the vehicle has been stolen.
5 . The method of claim 1 , wherein the evaluation comprises performing a comparison to determine whether a triggering event has occurred.
6 . The method of claim 5 , further comprising determining whether feedback should be provided to the driver.
7 . The method of claim 6 , wherein the feedback is provided in one or more of real-time or at a later time to the driver.
8 . The method of claim 7 , wherein one or more of a display device, speaker and tactile feedback device convey the feedback to the driver.
9 . The method of claim 1 , further comprising one or more of a braking sensor, an acceleration sensor, a turn signal sensor, a light sensor, a radio sensor, a Bluetooth sensor, a passenger sensor and a camera.
10 . A non-transitory computer readable information storage media having stored thereon instructions, that when executed by one or more processors, cause the steps of claim 1 to be performed.
11 . A system adapted to aggregate vehicle data for an insurance incentive or disincentive comprising:
a controller that collects data from one or more sensors on a vehicle, the sensors including a perimeter sensor, a proximity sensor, a G-force sensor, and a global positioning service module, a mileage monitor and at least one of a biometric sensor and a law module;
a storage device that stores the collected data, the stored data capable of being forwarded in real-time to a destination associated with an insurance company; and
an incentive/disincentive module that evaluates the collected data to determine if a driver associated with the vehicle should receive the incentive or disincentive.
12 . The system of claim 11 , further comprising a communications module adapted to forward the stored data to one or more additional destinations at a later time.
13 . The system of claim 11 , wherein one or more of the following are detected: a date and time, whether vehicle doors are locked, whether vehicle windows are up, whether a vehicle top is up, whether the vehicle is carrying cargo and whether a vehicle sunroof is closed.
14 . The system of claim 11 , wherein a determination is made as to whether the vehicle has been stolen.
15 . The system of claim 11 , wherein the evaluation comprises performing a comparison to determine whether a triggering event has occurred.
16 . The system of claim 15 , further comprising a feedback module adapted to determine whether feedback should be provided to the driver.
17 . The system of claim 16 , wherein the feedback is provided in one or more of real-time or at a later time to the driver.
18 . The system of claim 17 , wherein one or more of a display device, speaker and tactile feedback device convey the feedback to the driver.
19 . The system of claim 11 , further comprising one or more of a braking sensor, an acceleration sensor, a turn signal sensor, a light sensor, a radio sensor, a Bluetooth sensor, a passenger sensor and a camera.
20 . The system of claim 11 , further comprising a feedback module, that based on one or more rules and the evaluation, determines whether feedback should be provided to the driver in real-time or at a later date.