State Farm Mutual Automobile Insurance Company

Nathan Wilhelm Baumann

Megan Michal Baumann

Douglas Albert Graff

Craig Benjamin Cope

Mark E Clauss

Thomas Michael Potter

Dustin Ryan Carter

Atlanta Bonnom

Jennifer Luella Lawyer

Curtis Simpson

Nathan Lee Tofte

Brian N Harvey

Michael Shawn Jacob

Rosemarie Geier Grant

Roxane Lyons

Joshua David Lillie

Timothy W Ryan

Brian Mark Fields

Steven C Cielocha

Kristopher Keith Gaudin

Jacob J Alt

Leo Nelson Chan

Justin Davis

Mohamed A Wazeer

Laura Anne Uphoff

Giles Roll

A method of driver behavior that includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data in real-time. The method also includes analyzing the telematics data to determine whether a driving score for a driver, determining whether the driving score is greater than a threshold value, determining a discount based upon the driving score being higher than the threshold, and generating a communication based upon the discount. The method further includes transmitting the communication.

Methods of facilitating emergency assistance

A system and method may collect telematics and/or other data, and apply the data to insurance-based applications. From the data, an insurance provider may determine accurate vehicle usage information, including information regarding who is using a vehicle and under what conditions. An insurance provider may likewise determine risk levels or a risk profile for an insured driver (or other drivers), which may be used to adjust automobile or other insurance policies. The insurance provider may also use the data collected to adjust behavior based insurance using incentives, recommendations, or other means. For customers that opt-in to the data collection program offered, the present embodiments present the opportunity to demonstrate a low or moderate risk lifestyle and the chance for insurance-related savings based upon that low or moderate risk.

Methods of providing insurance savings based upon telematics and driving behavior identification

A data processing and relocation alerts system for processing data and provided relocation alerts is provided. The data processing and relocation alerts system includes at least one processor in communication with at least one database. The at least one processor is programmed to: (i) store profile data for registered users including at least a user identifier, contact data, at least one asset identifier, and an asset location; (ii) receive geographical location data for an impact area; (iii) store the impact area location data in the database; (iv) compare the impact area location data to the registered user profile data to identify the at least one registered asset located within the impact area; (v) retrieve contact information of impacted registered users based on the comparison; (vi) identify at least one safe area for relocation of the at least one registered asset; (vii) transmit a relocation alert using the contact information.

Data processing systems and methods for providing relocation alerts

A method of vehicle accident response includes generating, by a mobile device located inside a vehicle, telematics data associated with operation of the vehicle, and transmitting, from the mobile device to one or more processors via wireless communication, the telematics data. The method also includes analyzing the telematics data to determine that an accident involving the vehicle has occurred, analyzing the telematics data to determine a likelihood of injury due to the accident, and generating a communication (i) based upon the telematics data and the likelihood of injury and (ii) in response to determining that the accident has occurred. The method further includes transmitting, to the mobile device, the communication.

In system and methods for pre-generating insurance claims, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. An estimated insurance claim may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver to facilitate presenting all, or a portion of, the estimated insurance claim to the driver or the insured. A wireless communication from the driver or insured indicating approval, rejection or modification of the estimated insurance claim may be received. The estimated insurance claim may be handled in accordance with the approval, rejection or modification.

Methods of pre-generating insurance claims

Methods and systems are described for generating a vehicle-to-vehicle traffic alert and updating a vehicle-usage profile. Various aspects include detecting, via one or more processors associated with a first vehicle, that an abnormal traffic condition exists in an operating environment of the first vehicle. An electronic message is generated and transmitted wirelessly, via a vehicle-mounted transceiver associated with the first vehicle, to alert a nearby vehicle of the abnormal traffic condition and to allow the nearby vehicle to avoid the abnormal traffic condition. The first vehicle receives telematics data regarding operation of the nearby vehicle after the nearby vehicle received the electronic message, and transmits the telematics data to a remote server for updating a vehicle-usage profile associated with the nearby vehicle.

Vehicular traffic alerts for avoidance of abnormal traffic conditions

In system and methods for loss mitigation, accident data associated with a vehicle accident involving a driver may be collected. The accident data may be analyzed, and a likely severity of the vehicle accident may be determined based upon the analysis of the accident data. A communication related to emergency assistance or an emergency assistance recommendation may be generated based upon the determined likely severity of the vehicle accident, and transmitted, via wireless communication, from one or more remote servers to a mobile device associated with the driver. A wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation may be received. A third party may be notified, via a communication sent from the remote server(s), of requested emergency assistance as approved or modified by the driver. An estimated insurance claim may also be generated based upon vehicle accident likely severity.

Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.

Unmanned aerial vehicle (UAV) data collection and claim pre-generation for insured approval

Various techniques are described utilizing one or more unmanned aerial vehicles (UAVs, or 'drones') for various disaster and/or catastrophe-related purposes. UAVs may collect data in an attempt to predict the occurrence and/or extent of a catastrophe and/or to mitigate the impact of a catastrophe before and, if not at that time, once it has occurred. The UAVs may perform various tasks such that the damage to property caused by a catastrophe (or potential catastrophe) may be eliminated or mitigated. A UAV may receive a flight path based on an energy consumption related condition and operate based on the flight path. Operating based on the flight path includes docking the UAV with a power supply device for charging a power source of the UAV.

Disaster damage analysis and loss mitigation implementing unmanned aerial vehicles (UAVs)

Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an area surrounding a property, and collect data related to property. A location for an inspection of a property to be conducted by a UAV may be received, and one or more images depicting a view of the location may be displayed via a user interface. Additionally, a geofence boundary may be determined based on an area corresponding to a property boundary, where the geofence boundary represents a geospatial boundary in which to limit flight of the UAV. Furthermore, a navigation route may be determined which corresponds to the geofence boundary for inspection of the property by the UAV, the navigation route having waypoints, each waypoint indicating a location for the UAV to obtain drone data. The UAV may be directed around the property using the determined navigation route.

Insurance underwriting and re-underwriting implementing unmanned aerial vehicles (UAVs)

Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.

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Bloomington, IL, United States of America

Nathan Wilhelm Baumann