US 11,708,050 B2
Methods of pre-generating insurance claims
Thomas Michael Potter, Normal, IL (US); Mark E. Clauss, Bloomington, IL (US); Dustin Ryan Carter, Normal, IL (US); Douglas Albert Graff, Mountain View, MO (US); Megan Michal Baumann, Bloomington, IL (US); Atlanta Bonnom, Bloomington, IL (US); Craig Cope, Bloomington, IL (US); Jennifer Luella Lawyer, Bloomington, IL (US); Curtis Simpson, Bloomington, IL (US); and Nathan W. Baumann, Bloomington, IL (US)
Assigned to STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed by STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Bloomington, IL (US)
Filed on Jan. 14, 2022, as Appl. No. 17/576,152.
Application 17/576,152 is a continuation of application No. 16/038,259, filed on Jul. 18, 2018, granted, now 11,257,163.
Application 16/038,259 is a continuation of application No. 14/798,770, filed on Jul. 14, 2015, granted, now 10,102,587, issued on Oct. 16, 2018.
Claims priority of provisional application 62/145,033, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,232, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,022, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,028, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,029, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,032, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,234, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,027, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,228, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,145, filed on Apr. 9, 2015.
Claims priority of provisional application 62/145,024, filed on Apr. 9, 2015.
Claims priority of provisional application 62/040,735, filed on Aug. 22, 2014.
Claims priority of provisional application 62/027,021, filed on Jul. 21, 2014.
Prior Publication US 2022/0138861 A1, May 5, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); B60R 25/04 (2013.01); G08B 25/00 (2006.01); B60R 25/102 (2013.01); B60W 40/09 (2012.01); B60W 40/08 (2012.01); G08B 21/02 (2006.01); B60W 30/08 (2012.01)
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
OG exemplary drawing
 
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.