Automatic Claim Generation

Abstract

Systems and methods are provided for retrieving insurance information of an insurance customer at a mobile device. An insurance information token may be affixed to a vehicle and scanned by an optical input device of the mobile device. The optical input device may thus obtain optical input corresponding to the insurance information token. The insurance information of the insurance customer may be retrieved based on the optical input and presented at a display device of the mobile device upon retrieval. The mobile device may also provide a message to an insurance system indicating that the insurance information token was scanned. Telematics information may also be analyzed in response to receipt of the message to determine whether to automatically create an insurance claim for the customer.

What is claimed is: 
     
         1 . A method for automatically generating a claim, comprising:
 obtaining, using a server system, vehicle information indicating a vehicle and a first time;   determining, using the server system, an incident involving the vehicle has occurred based on the vehicle information;   obtaining, using the server system, a token message indicating a unique identifier associated with the vehicle and a second time; and   when the second time is later than the first time, automatically generating, using the server system, a claim for the vehicle based on the vehicle information and the token message.