CPC B60R 25/04 (2013.01) [B60R 25/102 (2013.01); B60W 40/08 (2013.01); B60W 40/09 (2013.01); G06Q 40/08 (2013.01); G08B 21/02 (2013.01); G08B 25/00 (2013.01); B60W 2030/082 (2013.01)] | 18 Claims |
1. A computer-implemented method of analyzing mobile device-generated telematics data, the method comprising:
generating, by a mobile device communicatively connected to a network and associated with a driver or an insured and located inside an insured vehicle during a vehicle accident, time-stamped accident data associated with the vehicle accident involving the driver, the time-stamped accident data including vehicle telematics data generated before, during, and after the vehicle accident by the mobile device of the driver, and vehicle-to-vehicle (V2V) communication data associated with, or generated by, V2V communication between the insured vehicle and at least one additional vehicle;
immediately transmitting, from the mobile device to one or more remote servers located remotely from the mobile device and communicatively connected to the network via wireless communication, the time-stamped accident data following the vehicle accident;
analyzing, by the one or more remote servers, the time-stamped accident data to determine an indication of a change in speed of the insured vehicle during the vehicle accident based upon the telematics data and a change in speed of the at least one additional vehicle during the vehicle accident based upon the V2V communication data received directly by the insured vehicle from the at least one additional vehicle; and
automatically and remotely determining, by the one or more remote servers and based upon the analysis of the accident data, a severity of damage to the insured vehicle based at least upon the change in speed of the insured vehicle as determined by the time-stamped accident data generated by the mobile device located inside the insured vehicle and the change in speed of the at least one additional vehicle as determined by the V2V communication data.
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