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, OH2

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Craig, Alexander Dean Moreland Hills, OH 2 738
Heinen, John Patrick Tampa, FL 2 738
McMillan, Robert John Tampa, FL 7 1294

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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TELENAV, INC. (1)
8788114 Navigation system with compliance reporting and method of operation thereof 0 2011
 
MERGENET SOLUTIONS, INC. (1)
8706078 Location reporting satellite paging system with privacy feature 0 2012
 
DAVIS INSTRUMENTS CORPORATION (3)
6832141 Module for monitoring vehicle operation through onboard diagnostic port 166 2002
* 2004/0083,041 Module for monitoring vehicle operation through onboard diagnostic port 68 2002
* 2005/0096,809 Module for monitoring vehicle operation through onboard diagnostic port 63 2004
 
GENERAL MOTORS LLC (4)
* 2005/0108,065 Method and system of estimating vehicle damage 49 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
 
STEVEN M. HOFFBERG 2004-1 GRAT (3)
8369967 Alarm system controller and a method for controlling an alarm system 18 2011
8892495 Adaptive pattern recognition based controller apparatus and method and human-interface therefore 1 2013
9535563 Internet appliance system and method 0 2013
 
APPLUS TECHNOLOGIES, INC. (4)
* 7925399 Method and apparatus for testing vehicle emissions and engine controls using a self-service on-board diagnostics kiosk 19 2006
* 2007/0083,306 METHOD AND APPARATUS FOR TESTING VEHICLE EMISSIONS AND ENGINE CONTROLS USING A SELF-SERVICE ON-BOARD DIAGNOSTICS KIOSK 6 2006
9483881 System and method for testing vehicle emissions and engine controls using a self-service on-board diagnostics kiosk 0 2009
* 2010/0204,876 SYSTEM AND METHOD FOR TESTING VEHICLE EMISSIONS AND ENGINE CONTROLS USING A SELF-SERVICE ON-BOARD DIAGNOSTICS KIOSK 4 2009
 
EDRIVING FLEET LLC (1)
* 6714894 System and method for collecting, processing, and distributing information to promote safe driving 86 2001
 
SAGASYSTEM NORGE AS (2)
7398157 Method and system for determining a track record of a moving object 15 2003
* 2005/0256,640 Method and system for determining a track record of a moving object 2 2003
 
Infinite Potential Technologies LP (1)
* 2010/0223,080 RECORDING AND REPORTING OF DRIVING CHARACTERISTICS 8 2010
 
CONVERGENT MEDIA SOLUTIONS LLC (3)
7406436 Method and apparatus for collecting, aggregating and providing post-sale market data for an item 82 2002
8036929 Method and apparatus for collecting, aggregating and providing post-sale market data for an item 16 2007
8554600 Method and apparatus for collecting data for an item 2 2011
 
HITACHI, LTD. (4)
* 6711495 Method and apparatus for gathering vehicle information 17 2000
6662090 Protective maintenance service system for vehicles 16 2002
* 2002/0178,033 Automobile insurance contents setting system, automobile insurance premium setting system, and automobile insurance premium collection system 61 2002
* 2006/0136,291 Vehicle managing method 41 2006
 
DRIVE DIAGNOSTICS LTD. (1)
* 2007/0005,404 System and method for providing driving insurance 71 2006
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
9734698 G.P.S. management system 0 2014
* 9652973 Apparatus, systems, and methods for processing alerts relating to an in-vehicle control unit 0 2014
 
FUND FOR PEACE CORPORATION, THE (2)
* 7092927 Conflict assessment system tool 4 2001
* 2003/0004,954 Conflict assessment system tool 9 2001
 
SPEEDGAUGE, INC. (2)
7356392 System and method for evaluating vehicle and operator performance 71 2004
* 2004/0254,698 System and method for evaluating vehicle and operator performance 74 2004
 
Gordon Howard Associates, Inc. (1)
8667295 Encoding a validity period in a password 0 2009
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (18)
* 2003/0097,335 Secure method and system for determining charges and assuring privacy 78 2001
8140213 Detection of vehicle operation under adverse conditions 3 2008
8849803 Data collection for usage based insurance 0 2011
8255113 Detection of vehicle operation under adverse conditions 2 2012
9785145 Controlling driving modes of self-driving vehicles 0 2015
9483948 Automated control of interactions between self-driving vehicles and pedestrians 12 2015
9721397 Automatic toll booth interaction with self-driving vehicles 0 2015
9718471 Automated spatial separation of self-driving vehicles from manually operated vehicles 0 2015
9481366 Automated control of interactions between self-driving vehicles and animals 2 2015
9731726 Redirecting self-driving vehicles to a product provider based on physiological states of occupants of the self-driving vehicles 0 2015
9513632 Driving mode alerts from self-driving vehicles 3 2015
9566986 Controlling driving modes of self-driving vehicles 0 2015
9481367 Automated control of interactions between self-driving vehicles and animals 2 2015
9834224 Controlling driving modes of self-driving vehicles 0 2015
9751532 Controlling spacing of self-driving vehicles based on social network relationships 0 2015
9791861 Autonomously servicing self-driving vehicles 0 2015
9758095 Smartwatch blackbox 0 2016
9836973 Selectively controlling a self-driving vehicle's access to a roadway 0 2016
 
SAP SE (2)
* 2004/0117,377 Master data access 36 2003
9256655 Dynamic access of data 0 2013
 
Enovsys LLC (2)
8060109 Authorized location reporting mobile communication system 10 2007
8559942 Updating a mobile device's location 0 2011
 
INSURANCENOODLE, LLC (4)
7203734 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 2 2001
* 2003/0125,990 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 8 2001
7904532 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 3 2006
* 2006/0206,362 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase 13 2006
 
MUDDY RIVER, SERIES 97 OF ALLIED SECURITY TRUST I (28)
7610145 System and method for determining recommended departure time 78 2004
* 2005/0021,225 System and method for determining recommended departure time 47 2004
7702452 System and method for determining a prediction of average speed for a segment of roadway 32 2008
8619072 Controlling a three-dimensional virtual broadcast presentation 18 2009
8103443 System and method for delivering departure notifications 37 2010
8982116 Touch screen based interaction with traffic data 15 2010
9046924 Gesture based interaction with traffic data 11 2010
8718910 Crowd sourced traffic reporting 40 2011
8660780 System and method for delivering departure notifications 18 2011
8725396 System for providing traffic data and driving efficiency data 22 2012
8564455 Generating visual information associated with traffic 21 2012
8531312 Method for choosing a traffic route 22 2012
8786464 GPS generated traffic information 19 2013
8781718 Estimating time travel distributions on signalized arterials 16 2013
8958988 Method for choosing a traffic route 26 2013
9082303 Generating visual information associated with traffic 15 2013
9070291 Method for predicting a travel time for a traffic route 12 2013
9448690 Controlling a three-dimensional virtual broadcast presentation 4 2013
9127959 System and method for delivering departure notifications 10 2014
9390620 System for providing traffic data and driving efficiency data 6 2014
9293039 Estimating time travel distributions on signalized arterials 8 2014
9368029 GPS generated traffic information 6 2014
9489842 Method for choosing a traffic route 1 2015
9401088 Method for predicting a travel time for a traffic route 5 2015
9640073 Generating visual information associated with traffic 0 2015
9644982 System and method for delivering departure notifications 0 2015
9602977 GPS generated traffic information 0 2016
9547984 System for providing traffic data and driving efficiency data 0 2016
 
GOOGLE LLC (1)
* 7343306 Location-based vehicle risk assessment system 51 2000
 
WEBCETERA, L.P. (1)
8275640 Insurance quoting application for handheld device 2 2010
 
Sprint Spectrum L.P. (1)
8195188 Location reporting satellite paging system with optional blocking of location reporting 13 2003
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (5)
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 22 2007
* 8180655 Systems and methods for processing vehicle or driver performance data 28 2007
* 8428973 Systems and methods for automatically disabling mobile device usage while driving 11 2009
* 9053469 System and method for providing usage based vehicle insurance 2 2009
 
AVIS BUDGET CAR RENTAL LLC (1)
9635518 Telematics system, methods and apparatus for two-way data communication between vehicles in a fleet and a fleet management system 0 2014
 
MOTOROLA, INC. (2)
* 7129826 Localized accident notification 14 2004
* 2005/0275,522 Localized accident notification 2 2004
 
PROGRESSIVE CASUALTY INSURANCE COMPANY (7)
8090598 Monitoring system for determining and communicating a cost of insurance 139 2004
* 2004/0153,362 Monitoring system for determining and communicating a cost of insurance 197 2004
8140358 Vehicle monitoring system 262 2008
8595034 Monitoring system for determining and communicating a cost of insurance 27 2011
8311858 Vehicle monitoring system 112 2012
9754424 Vehicle monitoring system 0 2012
8892451 Vehicle monitoring system 13 2012
 
MITSUBISHI ELECTRIC CORPORATION (2)
8004404 Information storage device, information storage program, verification device and information storage method 2 2006
* 2009/0033,510 Information Storage Device, Information Storage Program, Verification Device and Information Storage Method 3 2006
 
PATENTBANK L.L.C. (1)
* 8090597 System and method for providing reduced insurance premiums 3 2000
 
1A SMART START LLC (2)
6853956 Sobriety testing apparatus having OBD-II connection capability 47 2003
* 2004/0158,430 Sobriety testing apparatus having OBD-II connection capability 1 2003
 
NITTO DENKO CORPORATION (1)
9000903 Systems and methods for vehicle monitoring 3 2012
 
Automatic Labs, Inc. (1)
* 2012/0197,669 Determining Cost of Auto Insurance 39 2012
 
PINPOINT INCORPORATED (5)
7853600 System and method for providing access to video programs and other data using customer profiles 38 2005
8171032 Providing customized electronic information 32 2008
* 2008/0294,584 Customized electronic newspapers and advertisements 66 2008
* 2009/0234,878 SYSTEM FOR CUSTOMIZED ELECTRONIC IDENTIFICATION OF DESIRABLE OBJECTS 99 2009
* 2009/0254,971 SECURE DATA INTERCHANGE 607 2009
 
THE TRAVELERS INDEMNITY COMPANY (1)
* 2014/0180,723 SYSTEMS AND METHODS FOR SURFACE SEGMENT DATA 1 2012
 
AV INSURANCE COMPANY, LLC (1)
8595037 Systems and methods for insurance based on monitored characteristics of an autonomous drive mode selection system 17 2012
 
ALCOHOL COUNTERMEASURE SYSTEMS (INTERNATIONAL) INC. (1)
* 9552681 Apparatus for assessing or mitigating insurance risk 0 2014
 
United Services Automobile Association (1)
8489434 System and method for establishing rates for an automobile insurance policy 15 2012
 
PAYPAL, INC. (5)
* 7469215 Method for processing insurance coverage requests 8 2006
* 2007/0055,553 Method and system for processing insurance coverage requests 9 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 7 2010
 
THE F3M3 COMPANIES, INC. (2)
8140359 System and method for determining an objective driver score 28 2008
* 2010/0063,850 System and method for determining an objective driver score 57 2008
 
KABUSHIKIKAISHA EQUOS RESEARCH OF (1)
* 2003/0182,165 Travel insurance reception apparatus and method 2 2003
 
PACIFIC LIFE INSURANCE COMPANY (17)
7844476 Process for case-based insurance underwriting suitable for use by an automated system 6 2002
7630910 System for case-based insurance underwriting suitable for use by an automated system 15 2002
* 2003/0187,696 System for case-based insurance underwriting suitable for use by an automated system 51 2002
8793146 System for rule-based insurance underwriting suitable for use by an automated system 2 2002
8005693 Process for determining a confidence factor for insurance underwriting suitable for use by an automated system 5 2002
7899688 Process for optimization of insurance underwriting suitable for use by an automated system 8 2002
7844477 Process for rule-based insurance underwriting suitable for use by an automated system 6 2002
7818186 System for determining a confidence factor for insurance underwriting suitable for use by an automated system 15 2002
* 2003/0187,700 Process for rule-based insurance underwriting suitable for use by an automated system 59 2002
7813945 System and process for multivariate adaptive regression splines classification for insurance underwriting suitable for use by an automated system 6 2003
7801748 System and process for detecting outliers for insurance underwriting suitable for use by an automated system 15 2003
7567914 System and process for dominance classification for insurance underwriting suitable for use by an automated system 23 2003
7383239 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 10 2003
* 2004/0220,837 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 10 2003
* 2004/0220,839 System and process for dominance classification for insurance underwriting suitable for use by an automated system 33 2003
7698159 Systems and methods for performing data collection 5 2004
8214314 System and process for a fusion classification for insurance underwriting suitable for use by an automated system 2 2008
 
GENERAL ELECTRIC COMPANY (2)
7877198 System and method for identifying fuel savings opportunity in vehicles 30 2006
* 2007/0174,004 System and method for identifying fuel savings opportunity in vehicles 50 2006
 
OBDEDGE, LLC (3)
8527013 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 20 2010
* 2011/0009,107 Systems, Methods, And Devices For Policy-Based Control and Monitoring of Use of Mobile Devices By Vehicle Operators 142 2010
9185526 Systems, methods, and devices for policy-based control and monitoring of use of mobile devices by vehicle operators 3 2013
 
Liberty Mutual Insurance Company (1)
8589190 System and method for underwriting a prepackaged business owners insurance policy 1 2007
 
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 80 2000
 
Airmax Group PLC (2)
* 2011/0106,370 METHOD AND SYSTEM FOR DRIVER STYLE MONITORING AND ANALYSING 79 2007
* 2010/0017,236 Method and System for Configuring a Vehicle 7 2009
 
ROOT FOUR IMAGINATION, INC. (4)
7853375 Vehicle monitor 12 2007
* 2008/0255,718 VEHICLE MONITOR 5 2007
8180522 Vehicle monitor 24 2008
* 2009/0259,361 VEHICLE MONITOR 3 2008
 
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. (9)
* 7821421 Traffic information system 90 2004
* 2007/0027,583 Traffic information system 139 2004
8489433 System and method for estimating loss propensity of an insured vehicle and providing driving information 12 2010
* 8085166 Traffic information system 21 2010
* 2010/0332,266 TRAFFIC INFORMATION SYSTEM 52 2010
* 8653986 Traffic information system 13 2011
* 2012/0089,423 TRAFFIC INFORMATION SYSTEM 54 2011
* 9619203 Method of analyzing driving behavior and warning the driver 0 2014
* 2014/0163,848 Traffic Information System 15 2014
 
RM ACQUISITION, LLC D/B/A RAND MCNALLY (1)
* 2010/0036,599 SAFEST TRANSPORTATION ROUTING 26 2009
* Cited By Examiner