US 11,720,972 B2
On-demand insurance for vehicle sharing
Michael P. Slattery, Irvine, CA (US)
Assigned to Rivian IP Holdings, LLC, Plymouth, MI (US)
Filed by Rivian IP Holdings, LLC, Plymouth, MI (US)
Filed on May 6, 2021, as Appl. No. 17/313,501.
Prior Publication US 2022/0358596 A1, Nov. 10, 2022
Int. Cl. G06Q 40/08 (2012.01); G07C 9/23 (2020.01); B60R 25/24 (2013.01); B60R 25/20 (2013.01); B60R 25/34 (2013.01); B60R 25/31 (2013.01)
CPC G06Q 40/08 (2013.01) [B60R 25/24 (2013.01); G07C 9/23 (2020.01); B60R 25/31 (2013.01); B60R 25/34 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a computing device associated with a vehicle and having computer-readable media configured to store computer-executable instructions configured to cause the computing device to:
determine an identity of a user seeking to operate the vehicle using a portable computing device, wherein the portable computing device comprises code that identifies the user;
determine whether an insurance policy associated with the vehicle covers operation of the vehicle by the user, wherein the portable computing device comprises code that verifies that the user is authorized to operate the vehicle;
disable operation of the vehicle by disabling an operating key associated with the user in response to a determination by an authorization control system that the user is not associated with the insurance policy covering the use of the vehicle; and
enable the operating key associated with the user and operation of the vehicle by the user using the operating key in response to a further determination that the user is covered by an additional insurance policy chosen from:
an existing insurance policy associated with the user that provides coverage for the operation of the vehicle by the user; and
an on-demand insurance policy associated with the user that provides coverage for the operation of the vehicle by the user.