| CPC G06Q 40/08 (2013.01) | 19 Claims |
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1. A method of changing insurance policy coverage comprising:
automatically initiating retrieval by a computing device and from a user device associated with an insurance user in wireless communication with the computing device, of monitored location-based data comprising (i) location information collected by a geographic positioning device associated with the user device, (ii) telematics data from one or more sensors associated with a vehicle of the insurance user, and (iii) localization data from a plurality of localization devices attached to and positioned about an interior of the vehicle, wherein the plurality of localization devices wirelessly communicate with one or more wireless communication devices positioned within the vehicle to determine a position of each of the one or more wireless communication devices based on a transmission time of a signal from the plurality of localization devices to each of the one or more wireless communication devices and associate the position of each of the one or more wireless communication devices with a position respectively corresponding to a passenger of a number of passengers located within the vehicle;
automatically retrieving, by the computing device, insurance information associated with the insurance user, the insurance information comprising a current insurance policy of the insurance user;
automatically analyzing, by a server of the computing device, the server comprising an insurance change/update analyzer, (i) the location information collected by the geographic positioning device, (ii) the telematics data from the one or more sensors, and (iii) the localization data from the plurality of localization devices to identify, based on the current insurance policy, whether an insurance user activity representative of at least one of a passenger location change or a vehicle location change based on the monitored location-based data has occurred that warrants an insurance policy modification for the current insurance policy associated with the insurance user, wherein the insurance user activity representative of the at least one of the passenger location change or the vehicle location change includes (i) a change in a location of the insurance user based on the location information as the monitored location-based data, (ii) a change in a location of the vehicle based on the telematics data as the monitored location-based data, and/or (iii) an update of the number of passengers within the vehicle based on the localization data as the monitored location-based data;
in response to identifying that an insurance modification is warranted based on whether the insurance user activity representative of the at least one of the passenger location change or the vehicle location change based on the monitored location-based data has occurred, determining, by the computing device and using the determined insurance user activity, one or more types of insurance coverage available;
comparing, by the computing device, the determined one or more types of insurance coverage available with the current insurance policy;
automatically generating, by the server of the computing device and based on the comparing, an insurance policy offer;
transmitting, by the computing device and to the user device, the generated insurance policy offer;
causing, by the computing device, the user device to display via a user interface of the user device the generated insurance policy offer and a request for the insurance user to accept the generated insurance policy offer via the user interface;
receiving, from the user device, an indication that the insurance user accepts the generated insurance policy offer; and
in response to receiving the indication that the insurance user accepts the generated insurance policy offer, automatically updating the current insurance policy with the generated insurance policy offer to provide an updated insurance policy and generating an insurance card image associated with the updated insurance policy offer and displaying the insurance card image via the user interface of the user device.
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