US Patent No: 6,064,970

Number of patents in Portfolio can not be more than 2000

Motor vehicle monitoring system for determining a cost of insurance

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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 2 590
Heinen, John Patrick Tampa, FL 2 590
McMillan, Robert John Tampa, FL 7 875

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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UNITED PARCEL SERVICE OF AMERICA, INC. (19)
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VERETECH, LLC (1)
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Gordon*Howard Associates, Inc. (15)
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8,581,712 Methods and systems related to establishing geo-fence boundaries 1 2012
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9,035,756 Methods and systems related to remote tamper detection 0 2013
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8,581,713 Automated geo-fence boundary configuration and activation 1 2013
9,013,333 Methods and systems related to time triggered geofencing 0 2013
8,928,470 Methods and systems of rule-based intoxicating substance testing associated with vehicles 0 2013
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HITACHI, LTD. (4)
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Convergent Media Solutions LLC (3)
7,406,436 Method and apparatus for collecting, aggregating and providing post-sale market data for an item 68 2002
8,036,929 Method and apparatus for collecting, aggregating and providing post-sale market data for an item 12 2007
8,554,600 Method and apparatus for collecting data for an item 0 2011
 
LEXISNEXIS RISK SOLUTIONS INC. (3)
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9,164,957 Systems and methods for telematics monitoring and communications 0 2013
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TRIMBLE NAVIGATION LIMITED (1)
8,791,806 Real-time detection of hazardous driving 0 2011
 
DRIVE DIAGNOSTICS LTD. (1)
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FUND FOR PEACE CORPORATION, THE (1)
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NXP B.V. (1)
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FERNANDEZ, DENNIS S. (3)
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GNI INTERNATIONAL, LLC (1)
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MAZDA MOTOR CORPORATION (1)
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SPEEDGAUGE, INC. (2)
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GORDON * HOWARD ASSOCIATES, INC. (1)
8,667,295 Encoding a validity period in a password 0 2009
 
STARTSAFE, INC. (1)
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VERETECH HOLDINGS, INC. (2)
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TEMIC AUTOMOTIVE OF NORTH AMERICA, INC. (1)
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Telanon, Inc. (5)
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INTERNATIONAL BUSINESS MACHINES CORPORATION (4)
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8,140,213 Detection of vehicle operation under adverse conditions 2 2008
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PROCON, INC. (1)
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SAP SE (2)
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PerDiemCo LLC (1)
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INSURANCENOODLE, LLC (4)
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GOLDEN RULE INSURANCE COMPANY (4)
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INTELLIGENT MECHATRONIC SYSTEMS INC. (5)
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WEBCETERA, L.P. (1)
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MOTOROLA, INC. (2)
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Progressive Casualty Insurance Company (6)
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ELWHA LLC (2)
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STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY (14)
7,865,378 System and method for the assessment, pricing, and provisioning of distance-based vehicle insurance 17 2004
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8,284,037 Maintenance decision support system and method for vehicular and roadside applications 5 2012
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8,583,333 Information delivery and maintenance system for dynamically generated and updated data pertaining to road maintenance vehicles and other related information 6 2012
8,497,769 Maintenance decision support system and method for vehicular and roadside applications 2 2012
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SAFECO INSURANCE COMPANY OF AMERICA (2)
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MITSUBISHI ELECTRIC CORPORATION (2)
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HARTFORD FIRE INSURANCE COMPANY (30)
7,711,584 System for reducing the risk associated with an insured building structure through the incorporation of selected technologies 9 2003
7,610,210 System for the acquisition of technology risk mitigation information associated with insurance 23 2003
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7,783,505 System and method for computerized insurance rating 6 2008
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8,271,303 System for reducing the risk associated with an insured building structure through the incorporation of selected technologies 2 2010
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7,881,951 System and method for computerized insurance rating 6 2010
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8,731,768 System and method to provide telematics data on a map display 4 2012
8,332,246 Method and system for processing of data related to underwriting of insurance 0 2012
8,676,612 System for adjusting insurance for a building structure through the incorporation of selected technologies 0 2012
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8,655,690 Computer system and method for processing of data related to insurance quoting 1 2013
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9,111,316 System and method to provide event data on a map display 0 2014
 
HTIIP, LLC (2)
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OMNITRACS, LLC (1)
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RCK-IP LLC (10)
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8,620,692 Insurance visibility 1 2009
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8,255,275 Incentivized adoption of time-dependent insurance benefits 1 2009
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8,484,113 Incentivized adoption of time-dependent insurance benefits 1 2012
 
1A SMART START LLC (2)
6,853,956 Sobriety testing apparatus having OBD-II connection capability 40 2003
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GENWORTH HOLDINGS, INC. (15)
7,844,476 Process for case-based insurance underwriting suitable for use by an automated system 6 2002
7,630,910 System for case-based insurance underwriting suitable for use by an automated system 15 2002
8,793,146 System for rule-based insurance underwriting suitable for use by an automated system 1 2002
8,005,693 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system 5 2002
7,899,688 Process for optimization of insurance underwriting suitable for use by an automated system 8 2002
7,844,477 Process for rule-based insurance underwriting suitable for use by an automated system 6 2002
7,818,186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 9 2002
7,813,945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 5 2003
7,801,748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 14 2003
7,567,914 System and process for dominance classification for insurance underwriting suitable for use by an automated system 22 2003
7,383,239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 8 2003
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NITTO DENKO CORPORATION (1)
9,000,903 Systems and methods for vehicle monitoring 0 2012
 
Automatic Labs, Inc. (1)
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7,853,600 System and method for providing access to video programs and other data using customer profiles 23 2005
8,171,032 Providing customized electronic information 23 2008
* 2008/0294,584 Customized electronic newspapers and advertisements 51 2008
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I.D. SYSTEMS, INC. (1)
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THE TRAVELERS INDEMNITY COMPANY (1)
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ALLSTATE INSURANCE COMPANY (25)
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7,774,217 Systems and methods for customizing automobile insurance 11 2006
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8,046,244 Systems and methods for customizing insurance 3 2010
8,046,246 Processing an application for insurance coverage 1 2010
8,219,426 Processing an application for insurance coverage 0 2010
8,280,752 Usage-based insurance cost determination system and method 9 2011
8,219,427 Processing an application for insurance coverage 3 2011
8,407,139 Credit risk evaluation with responsibility factors 5 2011
8,812,330 Usage-based insurance cost determination system and method 0 2012
9,031,545 Encouraging safe driving using a remote vehicle starter 0 2013
9,196,098 Motor vehicle operating data collection and analysis 0 2013
9,053,591 Motor vehicle operating data collection and analysis 0 2013
9,020,751 Route risk mitigation 0 2013
8,996,303 Route risk mitigation 0 2013
9,269,202 Motor vehicle operating data collection and analysis 0 2014
 
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6,604,033 Wireless diagnostic system for characterizing a vehicle's exhaust emissions 126 2001
6,879,894 Internet-based emissions test for vehicles 58 2001
6,957,133 Small-scale, integrated vehicle telematics device 109 2003
6,732,031 Wireless diagnostic system for vehicles 229 2003
6,988,033 Internet-based method for determining a vehicle's fuel efficiency 65 2003
6,732,032 Wireless diagnostic system for characterizing a vehicle's exhaust emissions 98 2003
6,928,348 Internet-based emissions test for vehicles 63 2003
7,477,968 Internet-based vehicle-diagnostic system 22 2003
7,113,127 Wireless vehicle-monitoring system operating on both terrestrial and satellite networks 49 2003
7,228,211 Telematics device for vehicles with an interface for multiple peripheral devices 79 2004
7,523,159 Systems, methods and devices for a telematics web services interface feature 33 2004
7,225,065 In-vehicle wiring harness with multiple adaptors for an on-board diagnostic connector 54 2004
7,174,243 Wireless, internet-based system for transmitting and analyzing GPS data 66 2004
8,452,486 Wireless vehicle-monitoring system operating on both terrestrial and satellite networks 0 2006
7,447,574 In-vehicle wiring harness with multiple adaptors for an on-board diagnostic connector 24 2007
7,532,963 Internet-based vehicle-diagnostic system 28 2007
7,480,551 Internet-based vehicle-diagnostic system 36 2007
9,224,249 Peripheral access devices and sensors for use with vehicle telematics devices and systems 0 2013
 
United Services Automobile Association (USAA) (6)
8,170,892 System and method for establishing rates for an automobile insurance policy 1 2003
* 8,566,126 Systems and methods for processing vehicle or driver performance data 7 2007
* 8,180,655 Systems and methods for processing vehicle or driver performance data 11 2007
* 8,428,973 Systems and methods for automatically disabling mobile device usage while driving 4 2009
* 9,053,469 System and method for providing usage based vehicle insurance 1 2009
8,489,434 System and method for establishing rates for an automobile insurance policy 1 2012
 
PAYPAL, INC. (5)
* 7,469,215 Method for processing insurance coverage requests 8 2006
* 2007/0055,553 Method and system for processing insurance coverage requests 6 2006
7,774,218 Method for processing insurance coverage requests 1 2008
8,140,360 System for processing insurance coverage requests 1 2010
* 2010/0299,162 SYSTEM FOR PROCESSING INSURANCE COVERAGE REQUESTS 4 2010
 
INTHINC TECHNOLOGY SOLUTIONS, INC. (24)
8,630,768 System and method for monitoring vehicle parameters and driver behavior 26 2007
7,859,392 System and method for monitoring and updating speed-by-street data 40 2007
9,067,565 System and method for evaluating driver behavior 3 2007
* 2008/0258,890 System and Method for Remotely Deactivating a Vehicle 41 2007
8,825,277 System and method for the collection, correlation and use of vehicle collision data 23 2007
* 2008/0306,996 System and Method for the Collection, Correlation and Use of Vehicle Collision Data 12 2007
8,666,590 System and method for naming, filtering, and recall of remotely monitored event data 3 2007
9,129,460 System and method for monitoring and improving driver behavior 0 2007
7,999,670 System and method for defining areas of interest and modifying asset monitoring in relation thereto 7 2007
8,818,618 System and method for providing a user interface for vehicle monitoring system users and insurers 2 2007
8,577,703 System and method for categorizing driving behavior using driver mentoring and/or monitoring equipment to determine an underwriting risk 5 2007
* 2009/0051,510 System and Method for Detecting and Reporting Vehicle Damage 35 2007
7,899,610 System and method for reconfiguring an electronic control unit of a motor vehicle to optimize fuel economy 27 2007
* 2008/0221,776 System and Method for Reconfiguring an Electronic Control Unit of a Motor Vehicle to Optimize Fuel Economy 19 2007
7,876,205 System and method for detecting use of a wireless device in a moving vehicle 26 2007
8,688,180 System and method for detecting use of a wireless device while driving 3 2008
* 9,117,246 System and method for providing a user interface for vehicle mentoring system users and insurers 0 2009
* 2010/0205,012 System and method for providing a user interface for vehicle mentoring system users and insurers 38 2009
8,963,702 System and method for viewing and correcting data in a street mapping database 1 2009
8,892,341 Driver mentoring to improve vehicle operation 2 2009
8,188,887 System and method for alerting drivers to road conditions 23 2009
8,890,717 System and method for monitoring and updating speed-by-street data 1 2010
8,890,673 System and method for detecting use of a wireless device in a moving vehicle 0 2011
9,172,477 Wireless device detection using multiple antennas separated by an RF shield 0 2014
 
NetworkCar (2)
6,611,740 Internet-based vehicle-diagnostic system 319 2001
6,594,579 Internet-based method for determining a vehicle's fuel efficiency 139 2001
 
THE F3M3 COMPANIES, INC. (2)
8,140,359 System and method for determining an objective driver score 10 2008
* 2010/0063,850 System and method for determining an objective driver score 23 2008
 
KABUSHIKIKAISHA EQUOS RESEARCH OF (1)
* 2003/0182,165 Travel insurance reception apparatus and method 2 2003
 
PDM CO. LTD. (5)
7,188,070 Vehicle related services system and methodology 13 2000
* 2001/0039,509 Vehicle related services system and methodology 10 2000
* 2005/0102,075 Vehicle related services system and methodology 1 2004
* 7,908,149 Vehicle related services system and methodology 3 2005
* 2005/0256,762 Vehicle related services system and methodology 13 2005
 
Zoom Information Systems (1)
7,421,334 Centralized facility and intelligent on-board vehicle platform for collecting, analyzing and distributing information relating to transportation infrastructure and conditions 96 2004
 
GMAC Insurance Company (1)
6,694,234 Customer service automation systems and methods 59 2001
 
GOOGLE INC. (1)
* 7,343,306 Location-based vehicle risk assessment system 22 2000
 
Equipment GPS Protection, LLC (1)
* 2006/0036,473 GPS mobil equipment insurance method, apparatus, and product 16 2005
 
Zubie, Inc. (2)
9,142,065 OBD based in-vehicle device providing content storage and access 0 2013
9,208,624 Time window authentication for vehicle telematics device 0 2013
 
GENERAL ELECTRIC COMPANY (2)
7,877,198 System and method for identifying fuel savings opportunity in vehicles 17 2006
* 2007/0174,004 System and method for identifying fuel savings opportunity in vehicles 39 2006
 
Lysanda Limited (3)
* 8,364,339 Engine monitoring 3 2008
* 2010/0179,721 ENGINE MONITORING 4 2008
9,129,456 Method and apparatus for estimating the fuel consumption of a vehicle 0 2012
 
INTERACTIVE DRIVING SYSTEMS, INC. (1)
* 6,714,894 System and method for collecting, processing, and distributing information to promote safe driving 60 2001
 
obdEdge, LLC (3)
8,527,013 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 4 2010
* 2011/0009,107 Systems, Methods, And Devices For Policy-Based Control and Monitoring of Use of Mobile Devices By Vehicle Operators 81 2010
9,185,526 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)
8,589,190 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 106 2001
 
THE BOEING COMPANY (2)
7,542,915 System of charging for automobile insurance 11 2003
* 2005/0071,202 System of charging for automobile insurance 24 2003
 
GEWORTH FINANCIAL, INC. (1)
7,895,062 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 75 2000
 
TELENAV, INC. (1)
8,788,114 Navigation system with compliance reporting and method of operation thereof 0 2011
 
DAVIS INSTRUMENTS CORPORATION (3)
6,832,141 Module for monitoring vehicle operation through onboard diagnostic port 116 2002
* 2004/0083,041 Module for monitoring vehicle operation through onboard diagnostic port 38 2002
* 2005/0096,809 Module for monitoring vehicle operation through onboard diagnostic port 51 2004
 
Airmax Group PLC (2)
* 2011/0106,370 METHOD AND SYSTEM FOR DRIVER STYLE MONITORING AND ANALYSING 44 2007
* 2010/0017,236 Method and System for Configuring a Vehicle 5 2009
 
Mergenet Solutions, Inc. (1)
8,706,078 Location reporting satellite paging system with privacy feature 0 2012
 
HTI IP, LLC (2)
* 2002/0173,885 Internet-based system for monitoring vehicles 76 2001
* 2007/0069,947 Wireless vehicle-monitoring system operating on both terrestrial and satellite networks 34 2006
 
GENERAL MOTORS LLC (4)
* 2005/0108,065 Method and system of estimating vehicle damage 33 2003
7,245,951 Method and system for telematic data transfer 4 2004
* 2005/0215,282 Method and system for telematic data transfer 2 2004
9,087,099 Centrally managed driver and vehicle ratings system updated via over-the-air communications with telematics units 1 2013
 
FORD GLOBAL TECHNOLOGIES, LLC (1)
9,251,628 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
7,711,522 Systems and methods for monitoring a machine 1 2006
* 2008/0059,081 Systems and methods for monitoring a machine 1 2006
 
Insurance Services Office, Inc. (8)
* 7,821,421 Traffic information system 55 2004
* 2007/0027,583 Traffic information system 78 2004
8,489,433 System and method for estimating loss propensity of an insured vehicle and providing driving information 6 2010
* 8,085,166 Traffic information system 13 2010
* 2010/0332,266 TRAFFIC INFORMATION SYSTEM 37 2010
* 8,653,986 Traffic information system 3 2011
* 2012/0089,423 TRAFFIC INFORMATION SYSTEM 32 2011
* 2014/0163,848 Traffic Information System 8 2014
 
RM Acquisition, LLC d/b/a/ Rand McNally (1)
* 2010/0036,599 SAFEST TRANSPORTATION ROUTING 17 2009
 
STEVEN M. HOFFBERG 2004-1 GRAT (2)
8,369,967 Alarm system controller and a method for controlling an alarm system 12 2011
8,892,495 Adaptive pattern recognition based controller apparatus and method and human-interface therefore 0 2013
* Cited By Examiner