Motor vehicle monitoring system for determining a cost of insurance

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO

6064970

SERIAL NO

09135034

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method and system of determining a cost of automobile insurance based upon monitoring, recording and communicating data representative of operator and vehicle driving characteristics. The cost is adjustable retrospectively and can be prospectively set by relating the driving characteristics to predetermined safety standards. The method comprises steps of monitoring a plurality of raw data elements representative of an operating state of the vehicle or an action of the operator. Selected ones of the raw data elements are recorded when the ones are determined to have an identified relationship to safety standards. The selected ones are consolidated for processing against an insurer profile and for identifying a surcharge or discount to be applied to a base cost of automobile insurance. A final cost is produced from the base costs and the surcharges or discounts.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
PROGRESSIVE DIRECTRAC SERVICE CORP.MAYFIELD VILLAGE, OH3

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Craig, Alexander Dean Moreland Hills, OH 2 642
Heinen, John Patrick Tampa, FL 2 642
McMillan, Robert John Tampa, FL 7 1029

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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* 2006/0111,817 Motor vehicle operating data collection and analysis 24 2005
* 2006/0106,515 Motor vehicle operating data collection and analysis 9 2005
* 7937278 Usage-based insurance cost determination system and method 20 2006
* 8086523 Credit risk evaluation with responsibility factors 33 2006
7774217 Systems and methods for customizing automobile insurance 11 2006
8606512 Route risk mitigation 14 2008
8046244 Systems and methods for customizing insurance 3 2010
8046246 Processing an application for insurance coverage 1 2010
8219426 Processing an application for insurance coverage 0 2010
8280752 Usage-based insurance cost determination system and method 13 2011
8219427 Processing an application for insurance coverage 4 2011
8407139 Credit risk evaluation with responsibility factors 12 2011
8812330 Usage-based insurance cost determination system and method 0 2012
9454786 Encouraging safe driving using a remote vehicle starter and personalized insurance rates 0 2013
9031545 Encouraging safe driving using a remote vehicle starter 2 2013
9196098 Motor vehicle operating data collection and analysis 0 2013
9053591 Motor vehicle operating data collection and analysis 0 2013
9020751 Route risk mitigation 0 2013
8996303 Route risk mitigation 0 2013
9269202 Motor vehicle operating data collection and analysis 1 2014
9421864 Encouraging safe driving using a remote vehicle starter 0 2015
 
FERNANDEZ, DENNIS (3)
7769620 Adaptive direct transaction for networked client group 8 1998
8838463 Adaptive direct transaction for network client group 1 2008
8484045 Adaptive direct transaction for network client group 2 2009
 
VAN NESS PLASTIC MOLDING CO., INC. (1)
* 2002/0152,115 Vehicle managing method 31 2001
 
ProtectWireless Prepaid Limited (1)
* 2008/0312,968 Electronic Payment System for Providing Regular Payment Services for Pre-Paid Mobile Phones 33 2005
 
VERIZON TELEMATICS INC. (22)
6636790 Wireless diagnostic system and method for monitoring vehicles 266 2001
6604033 Wireless diagnostic system for characterizing a vehicle's exhaust emissions 132 2001
* 2002/0173,885 Internet-based system for monitoring vehicles 78 2001
6879894 Internet-based emissions test for vehicles 61 2001
6957133 Small-scale, integrated vehicle telematics device 118 2003
6732031 Wireless diagnostic system for vehicles 257 2003
6988033 Internet-based method for determining a vehicle's fuel efficiency 68 2003
6732032 Wireless diagnostic system for characterizing a vehicle's exhaust emissions 108 2003
6928348 Internet-based emissions test for vehicles 71 2003
7477968 Internet-based vehicle-diagnostic system 25 2003
7113127 Wireless vehicle-monitoring system operating on both terrestrial and satellite networks 55 2003
7228211 Telematics device for vehicles with an interface for multiple peripheral devices 82 2004
7523159 Systems, methods and devices for a telematics web services interface feature 36 2004
7225065 In-vehicle wiring harness with multiple adaptors for an on-board diagnostic connector 55 2004
7174243 Wireless, internet-based system for transmitting and analyzing GPS data 75 2004
8452486 Wireless vehicle-monitoring system operating on both terrestrial and satellite networks 2 2006
* 2007/0069,947 Wireless vehicle-monitoring system operating on both terrestrial and satellite networks 37 2006
7447574 In-vehicle wiring harness with multiple adaptors for an on-board diagnostic connector 25 2007
7532963 Internet-based vehicle-diagnostic system 31 2007
7480551 Internet-based vehicle-diagnostic system 38 2007
9520005 Wireless vehicle-monitoring system 0 2013
9224249 Peripheral access devices and sensors for use with vehicle telematics devices and systems 0 2013
 
ALCOHOL COUNTERMEASURE SYSTEMS (INTERNATIONAL) INC. (1)
* 9552681 Apparatus for assessing or mitigating insurance risk 0 2014
 
FRED HERZ PATENTS, LLC (2)
7483871 Customized electronic newspapers and advertisements 104 2002
8056100 System and method for providing access to data using customer profiles 2 2005
 
PAYPAL, INC. (5)
* 7469215 Method for processing insurance coverage requests 8 2006
* 2007/0055,553 Method and system for processing insurance coverage requests 8 2006
7774218 Method for processing insurance coverage requests 1 2008
8140360 System for processing insurance coverage requests 1 2010
* 2010/0299,162 SYSTEM FOR PROCESSING INSURANCE COVERAGE REQUESTS 5 2010
 
United Services Automobile Association (6)
8170892 System and method for establishing rates for an automobile insurance policy 1 2003
* 8566126 Systems and methods for processing vehicle or driver performance data 11 2007
* 8180655 Systems and methods for processing vehicle or driver performance data 15 2007
* 8428973 Systems and methods for automatically disabling mobile device usage while driving 5 2009
* 9053469 System and method for providing usage based vehicle insurance 1 2009
8489434 System and method for establishing rates for an automobile insurance policy 7 2012
 
INTHINC TECHNOLOGY SOLUTIONS, INC. (24)
8630768 System and method for monitoring vehicle parameters and driver behavior 39 2007
7859392 System and method for monitoring and updating speed-by-street data 44 2007
9067565 System and method for evaluating driver behavior 4 2007
* 2008/0258,890 System and Method for Remotely Deactivating a Vehicle 45 2007
8825277 System and method for the collection, correlation and use of vehicle collision data 31 2007
* 2008/0306,996 System and Method for the Collection, Correlation and Use of Vehicle Collision Data 17 2007
8666590 System and method for naming, filtering, and recall of remotely monitored event data 5 2007
9129460 System and method for monitoring and improving driver behavior 4 2007
7999670 System and method for defining areas of interest and modifying asset monitoring in relation thereto 11 2007
8818618 System and method for providing a user interface for vehicle monitoring system users and insurers 3 2007
8577703 System and method for categorizing driving behavior using driver mentoring and/or monitoring equipment to determine an underwriting risk 29 2007
* 2009/0051,510 System and Method for Detecting and Reporting Vehicle Damage 48 2007
7899610 System and method for reconfiguring an electronic control unit of a motor vehicle to optimize fuel economy 29 2007
* 2008/0221,776 System and Method for Reconfiguring an Electronic Control Unit of a Motor Vehicle to Optimize Fuel Economy 21 2007
7876205 System and method for detecting use of a wireless device in a moving vehicle 32 2007
8688180 System and method for detecting use of a wireless device while driving 5 2008
* 9117246 System and method for providing a user interface for vehicle mentoring system users and insurers 1 2009
* 2010/0205,012 System and method for providing a user interface for vehicle mentoring system users and insurers 45 2009
8963702 System and method for viewing and correcting data in a street mapping database 10 2009
8892341 Driver mentoring to improve vehicle operation 7 2009
8188887 System and method for alerting drivers to road conditions 28 2009
8890717 System and method for monitoring and updating speed-by-street data 2 2010
8890673 System and method for detecting use of a wireless device in a moving vehicle 1 2011
9172477 Wireless device detection using multiple antennas separated by an RF shield 1 2014
 
NetworkCar (2)
6611740 Internet-based vehicle-diagnostic system 340 2001
6594579 Internet-based method for determining a vehicle's fuel efficiency 150 2001
 
F3M3 Companies, Inc. (2)
8140359 System and method for determining an objective driver score 15 2008
* 2010/0063,850 System and method for determining an objective driver score 33 2008
 
KABUSHIKIKAISHA EQUOS RESEARCH OF (1)
* 2003/0182,165 Travel insurance reception apparatus and method 2 2003
 
PDM CO. LTD. (5)
7188070 Vehicle related services system and methodology 16 2000
* 2001/0039,509 Vehicle related services system and methodology 11 2000
* 2005/0102,075 Vehicle related services system and methodology 1 2004
* 7908149 Vehicle related services system and methodology 4 2005
* 2005/0256,762 Vehicle related services system and methodology 15 2005
 
Zoom Information Systems (1)
7421334 Centralized facility and intelligent on-board vehicle platform for collecting, analyzing and distributing information relating to transportation infrastructure and conditions 105 2004
 
GMAC Insurance Company (1)
6694234 Customer service automation systems and methods 63 2001
 
GOOGLE INC. (1)
* 7343306 Location-based vehicle risk assessment system 32 2000
 
Equipment GPS Protection, LLC (1)
* 2006/0036,473 GPS mobil equipment insurance method, apparatus, and product 17 2005
 
Zubie, Inc. (3)
9142065 OBD based in-vehicle device providing content storage and access 0 2013
9208624 Time window authentication for vehicle telematics device 0 2013
9451028 Communication profile selection for vehicle telematics device 0 2014
 
GENERAL ELECTRIC COMPANY (2)
7877198 System and method for identifying fuel savings opportunity in vehicles 20 2006
* 2007/0174,004 System and method for identifying fuel savings opportunity in vehicles 41 2006
 
Lysanda Limited (3)
* 8364339 Engine monitoring 6 2008
* 2010/0179,721 ENGINE MONITORING 4 2008
9129456 Method and apparatus for estimating the fuel consumption of a vehicle 0 2012
 
OBDEDGE, LLC (3)
8527013 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 12 2010
* 2011/0009,107 Systems, Methods, And Devices For Policy-Based Control and Monitoring of Use of Mobile Devices By Vehicle Operators 106 2010
9185526 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 0 2013
 
LIBERTY MUTUAL INSURANCE COMPANY (1)
8589190 System and method for underwriting a prepackaged business owners insurance policy 1 2007
 
Kivalo, Inc. (1)
* 2002/0016,719 Methods and systems for providing medical data to a third party in accordance with configurable distribution parameters 109 2001
 
The Boeing Company (2)
7542915 System of charging for automobile insurance 12 2003
* 2005/0071,202 System of charging for automobile insurance 25 2003
 
GEWORTH FINANCIAL, INC. (1)
7895062 System for optimization of insurance underwriting suitable for use by an automated system 3 2002
 
CAR POINT KOREA CO., LTD. (1)
* 2001/0044,733 Method and system for processing automobile insurance of a prepaid type according to driving distance and time of vehicle 76 2000
 
TELENAV, INC. (1)
8788114 Navigation system with compliance reporting and method of operation thereof 0 2011
 
Davis Instruments (3)
6832141 Module for monitoring vehicle operation through onboard diagnostic port 137 2002
* 2004/0083,041 Module for monitoring vehicle operation through onboard diagnostic port 50 2002
* 2005/0096,809 Module for monitoring vehicle operation through onboard diagnostic port 58 2004
 
Airmax Group PLC (2)
* 2011/0106,370 METHOD AND SYSTEM FOR DRIVER STYLE MONITORING AND ANALYSING 59 2007
* 2010/0017,236 Method and System for Configuring a Vehicle 6 2009
 
MERGENET SOLUTIONS, INC. (1)
8706078 Location reporting satellite paging system with privacy feature 0 2012
 
GENERAL MOTORS LLC (4)
* 2005/0108,065 Method and system of estimating vehicle damage 39 2003
7245951 Method and system for telematic data transfer 4 2004
* 2005/0215,282 Method and system for telematic data transfer 2 2004
9087099 Centrally managed driver and vehicle ratings system updated via over-the-air communications with telematics units 1 2013
 
FORD GLOBAL TECHNOLOGIES, LLC (1)
9251628 Method and apparatus for an OnBoard diagnostic interface tool 0 2013
 
CATERPILLAR INC. (6)
* 2007/0101,017 System and method for routing information 2 2005
* 2007/0100,760 System and method for selling work machine projects 2 2005
* 2007/0150,073 Asset management system 4 2005
* 2007/0150,295 Asset management system 4 2005
7711522 Systems and methods for monitoring a machine 2 2006
* 2008/0059,081 Systems and methods for monitoring a machine 1 2006
 
INSURANCE SERVICES OFFICE, INC. (8)
* 7821421 Traffic information system 68 2004
* 2007/0027,583 Traffic information system 99 2004
8489433 System and method for estimating loss propensity of an insured vehicle and providing driving information 7 2010
* 8085166 Traffic information system 17 2010
* 2010/0332,266 TRAFFIC INFORMATION SYSTEM 44 2010
* 8653986 Traffic information system 5 2011
* 2012/0089,423 TRAFFIC INFORMATION SYSTEM 43 2011
* 2014/0163,848 Traffic Information System 9 2014
 
RM ACQUISITION, LLC (1)
* 2010/0036,599 SAFEST TRANSPORTATION ROUTING 20 2009
 
STEVEN M. HOFFBERG 2004-1 GRAT (3)
8369967 Alarm system controller and a method for controlling an alarm system 16 2011
8892495 Adaptive pattern recognition based controller apparatus and method and human-interface therefore 1 2013
9535563 Internet appliance system and method 0 2013
* Cited By Examiner