Insurence Tracking

Abstract

A system/method adapted to aggregate vehicle or operator data for reconstructing a road event for authority purposes, said system comprising: a storage device with stored data (information) collected from an aggregating device (controller) in communication with at least one of various sensors, data capturing means, image capturing means, or metrics; a reporting module that evaluates collected information stored in the storage device to determine a driving behavior of a driver associated with the vehicle, and determine whether the driving behavior includes one or more triggering events that are one or more of operator-defined or authority-defined for communication to at least one of an authority source; a communication module enabling querying for at least one of said information by at least one of an authority source for reconstructing the road event of interest upon a threshold-grade road event triggered and relaying the reconstructed road event to at least one of an authority source for at least one of the authority purpose; wherein the authorized source is at least one of a Department of Motor Vehicle, insurance company, vehicle manufacturer, or law enforcement; and wherein the authority purpose is at least one of a revocation of license, filing of accident report, increasing or lowering insurance premiums, issuing a violation, or issuing a warning in real-time or postponed.

1 - 26 . (canceled) 
     
     
         27 . A method for reconstructing a road event for authority purposes, said method comprising the steps of:
 aggregating at least one of the following information: driver biometrics, driver behavior, driver reputation, driving regulations, vehicle information, driver location, or location history;   querying for at least one of said information by at least one of an authority source for reconstructing the road event of interest upon a threshold-grade road event triggered;   relaying the reconstructed road event to at least one of an authority source for at least one of the authority purpose;   wherein the authority source is at least one of a Department of Motor Vehicle, insurance company, or law enforcement; and   wherein the authority purpose is at least one of a revocation of license, filing of accident report, increasing or lowering insurance premiums, issuing a violation, or issuing a warning in real-time or postponed.   
     
     
         28 . The method of  claim 27 , further comprising the step of forwarding one or more of the said information or reconstructed road event to at least one non-authority source for non-authority purposes. 
     
     
         29 . The method of  claim 27 , wherein the non-authority source is at least one of a parent, sibling, spouse, relative, or friend, with consent from the vehicle operator to receive and query information. 
     
     
         30 . The method of  claim 27 , wherein the information comprises determining that the vehicle has been stolen; capturing image information from an on-board camera of the vehicle;
 and sending the captured image information to law enforcement.   
     
     
         31 . The method of  claim 27 , wherein determining whether the driving behavior includes one or more triggering events further comprises: analyzing the collected data to determine whether any one or more of an operator-defined or authority-defined threshold has been met. 
     
     
         32 . The method of  claim 27 , wherein the information includes proximity sensor data, further comprising: alerting, in response to determining that the threshold has been met, the driver of the vehicle of the proximity of the vehicle in relation to another object. 
     
     
         33 . The method of  claim 27 , further comprising one or more of a display device, speaker, or tactile feedback device to convey the real-time or postponed warning. 
     
     
         34 . The method of  claim 27 , further comprising one or more of a braking sensor, an acceleration sensor, a turn signal sensor, a light sensor, a radio sensor, a Bluetooth sensor, a passenger sensor and a camera. 
     
     
         35 . The method of  claim 27 , wherein the real-time or postponed warnings from the authority sources are delivered to both the driver and at least one of non-authority source, wherein the non-authority source is one or more of a parent, sibling, spouse, relative, or friend, with consent from the vehicle operator. 
     
     
         36 . The method of  claim 27 , wherein the reconstructed road event is at least one of a timeline, schematic, annotated map, written description, or audio description. 
     
     
         37 . A system adapted to aggregate vehicle or operator data for reconstructing a road event for authority purposes, said system comprising:
 a controller that collects data from one or more sensors on a vehicle, the sensors including a perimeter sensor, a proximity sensor, a gravitational-force (G-force) sensor, and a global positioning service module, a mileage monitor and at least one of a biometric sensor and a law module;   a storage device that stores the collected data, the stored data capable of being forwarded in real-time to an authority source;   an incentive/disincentive (reporting) module that evaluates the collected data to determine a driving behavior of a driver associated with the vehicle, and determine whether the driving behavior includes one or more triggering events that are one or more of operator-defined or authority-defined for communication to at least one of the authority source;   a query/relay (communication) module enabling querying for at least one of said information by at least one of an authority source for reconstructing the road event of interest upon a threshold-grade road event triggered and relaying the reconstructed road event to at least one of an authority source for at least one of the authority purpose; and   wherein the authority source is at least one of a Department of Motor Vehicle, insurance company, vehicle manufacturer, or law enforcement and wherein the authority purpose is at least one of a revocation of license, filing of accident report, increasing or lowering insurance premiums, issuing a violation, or issuing a warning in real-time or postponed.   
     
     
         38 . The system of  claim 37 , wherein the communications module is further adapted to forward the stored data to one or more additional destinations at a later time. 
     
     
         39 . The system of  claim 37 , further comprising recording information including global positioning service information from the global positioning service module with a date and time and one or more of: whether vehicle doors are locked, whether vehicle windows are up, whether a vehicle top is up, whether the vehicle is carrying cargo and whether a vehicle sunroof is closed. 
     
     
         40 . The system of  claim 37 , wherein a determination is made that the vehicle has been stolen, and in response to determining that the vehicle has been stolen, capturing image information from an on-board camera of the vehicle, and sending the captured image information to a law enforcement agency. 
     
     
         41 . The system of  claim 37 , wherein determining whether the driving behavior includes one or more triggering events further comprises analyzing the collected data to determine whether a threshold has been met. 
     
     
         42 . The system of  claim 41 , wherein the threshold is one or more of operator-defined or authority-defined. 
     
     
         43 . The system of  claim 37 , wherein the real-time or postponed warning is conveyed by one or more of a display device, speaker, or tactile feedback device convey the feedback to the driver. 
     
     
         44 . The system of  claim 37 , further comprising one or more of a braking sensor, an acceleration sensor, a turn signal sensor, a light sensor, a radio sensor, a Bluetooth sensor, a passenger sensor and a camera. 
     
     
         45 . The system of  claim 37 , further comprising a feedback module, that based on one or more rules and the evaluation, determines whether feedback should be provided to the driver in real-time or at a later date (postponed). 
     
     
         46 . The system of  claim 37 , further comprising:
 monitoring, via the biometric sensor, a heart rate of the driver; determining whether the monitored heart rate of the driver requires a stimulus; and adjusting a temperature inside the vehicle when the monitored heart rate of the driver requires the stimulus.   
     
     
         47 . The system of  claim 37 , wherein the information includes proximity sensor data further comprising: alerting, in response to determining that the threshold has been met, the driver of the vehicle of the proximity of the vehicle in relation to another object. 
     
     
         48 . The system of  claim 37 , further comprising one or more of a display device, speaker, or tactile feedback device to convey the real-time or postponed warning. 
     
     
         49 . The system of  claim 37 , further comprising one or more of a braking sensor, an acceleration sensor, a turn signal sensor, a light sensor, a radio sensor, a Bluetooth sensor, a passenger sensor and a camera. 
     
     
         50 . The system of  claim 37 , wherein the real-time or postponed warnings from the authority sources are delivered to both the driver and at least one of non-authority source, wherein the non-authority source is one or more of a parent, sibling, spouse, relative, or friend, with consent from the vehicle operator. 
     
     
         51 . The system of  claim 37 , wherein the reconstructed road event is at least one of a timeline, schematic, annotated map, written description, or audio description. 
     
     
         52 . A system adapted to aggregate vehicle or operator data for reconstructing a road event for authority purposes, said system comprising:
 a storage device with stored data (information) collected from an aggregating device (controller) in communication with at least one of various sensors, data capturing means, image capturing means, or metrics;   a reporting module that evaluates collected information stored in the storage device to determine a driving behavior of a driver associated with the vehicle, and determine whether the driving behavior includes one or more triggering events that are one or more of operator-defined or authority-defined for communication to at least one of an authority source;   a communication module enabling querying for at least one of said information by at least one of an authority source for reconstructing the road event of interest upon a threshold-grade road event triggered and relaying the reconstructed road event to at least one of an authority source for at least one of the authority purpose; wherein the authorized source is at least one of a Department of Motor Vehicle, insurance company, vehicle manufacturer, or law enforcement; and   wherein the authority purpose is at least one of a revocation of license, filing of accident report, increasing or lowering of insurance premiums, issuing a violation, or issuing a warning in real-time or postponed.