US 12,406,309 B1
Auto filing of insurance claim via connected car
Lars Plougmann, Austin, TX (US); Sumita T. Jonak, San Antonio, TX (US); Ross Andrew Thiele, San Antonio, TX (US); Chris Clark, San Antonio, TX (US); Joshua Hiram Gutierrez, Pearland, TX (US); Felix Gutierrez, San Antonio, TX (US); Dallin C. Wilcox, San Antonio, TX (US); Will Kerns Maney, Jr., New York City, NY (US); Michael P Bueche, Jr., San Antonio, TX (US); and Remington Luke Williams, Bulverde, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Aug. 31, 2022, as Appl. No. 17/823,826.
Claims priority of provisional application 63/238,926, filed on Aug. 31, 2021.
Int. Cl. G06Q 20/32 (2012.01); G06F 9/451 (2018.01); G06F 16/23 (2019.01); G06F 21/53 (2013.01); G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 40/06 (2012.01); G06Q 40/08 (2012.01); G07C 5/00 (2006.01); G07C 5/08 (2006.01); H04L 29/06 (2006.01); H04W 12/06 (2021.01); H04W 12/08 (2021.01); G06F 21/31 (2013.01); G06F 21/32 (2013.01); G06F 21/45 (2013.01); G06F 21/57 (2013.01); G06Q 40/02 (2023.01); H04W 4/14 (2009.01); H04W 12/062 (2021.01); H04W 12/72 (2021.01); H04W 60/00 (2009.01)
CPC G06Q 40/08 (2013.01) [G07C 5/008 (2013.01); G07C 5/08 (2013.01)] 8 Claims
OG exemplary drawing
 
1. A vehicle comprising:
an engine;
a starter;
a sensor;
a display;
an indicator;
a GPS sensor;
a claims processing module;
a disabling module;
a control center comprising a processor and memory storing executable instructions that when executed by the processor causes the processor to perform the steps of:
receiving information from the sensor and location information from the GPS sensor;
determining that the received information exceeds a threshold and based on the determination:
generating a classification associated with the determination;
activating a disabling module;
activating the indicator;
transmitting the information, location information and classification to an insurance provider computer and to the claims processing module;
generating a recommendation; and,
displaying the generated recommendation on the display;
wherein the claims processing module is connected to the control center, and the claims processing module is configured to:
receive the information, location information and classification from the control center;
generate, based on the received information, location information, classification and the determination that the received information exceeds the threshold, a claim;
determine an apportionment of liability based on the received information, location information and classification, and add the apportionment to the claim; and,
send the claim with the added apportionment to the insurance provider computer; and
wherein the disabling module is connected to the control center, and the disabling module is configured to:
disable either the engine or the starter based on the determination that the received information exceeds the threshold.