Patent US9786154

Methods of facilitating emergency assistance
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US9786154

1. A computer-implemented method of loss mitigation, the method comprising: (3) (7)

collecting, by one or more remote servers associated with an insurance provider, accident data associated with a vehicle accident involving a driver, the accident data including vehicle telematics data, and the driver being associated with an insurance policy issued by the insurance provider;

analyzing, by the one or more remote servers, the accident data;

determining, by the one or more remote servers and based upon the analysis of the accident data, a likely severity of the vehicle accident;

generating, by the one or more remote servers and based upon the determined likely severity of the vehicle accident, a communication related to emergency assistance or an emergency assistance recommendation;

transmitting, via wireless communication, the communication related to the emergency assistance or emergency assistance recommendation from the one or more remote servers to a mobile device associated with the driver;

receiving, at the one or more remote servers, a wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation; and

notifying, via a communication sent from the one or more remote servers, a third party of requested emergency assistance in accordance with the emergency assistance or emergency assistance recommendation as approved or modified by the driver.

2. The computer-implemented method of claim 1, wherein the method further comprises: (1) (1)

4. The computer-implemented method of claim 1, wherein collecting accident data includes collecting data associated with, or generated by, one or both of (i) one or more mobile devices; and (ii) an insured vehicle or a computer system of the insured vehicle. (0)

5. The computer-implemented method of claim 1, wherein collecting accident data includes collecting data associated with, or generated by, one or more of (i) a vehicle other than the insured vehicle; (ii) vehicle-to-vehicle (V2V) communication; or (iii) roadside equipment or infrastructure located near a location of the vehicle accident. (0)

6. A computer-implemented method of loss mitigation, the method comprising: (2) (7)

analyzing, by the one or more remote servers, the accident data;

determining, by the one or more remote servers and based upon the analysis of the accident data, a likely severity of the vehicle accident;

transmitting the communication related to the emergency assistance or emergency assistance recommendation from the one or more remote servers to a third party to facilitate a prompt and appropriate emergency responder response to the vehicle accident;

notifying the driver, via a communication sent from the one or more remote servers, that emergency assistance from the third party has been requested; and

receiving from the driver, at the one or more remote servers, a wireless communication indicating one or both of (i) a cancellation of the emergency assistance from the third party, and (ii) that the emergency assistance from the third party is not necessary.

7. The computer-implemented method of claim 6, wherein the method further comprises: (1) (1)

9. The computer-implemented method of claim 6, wherein collecting accident data includes collecting data associated with, or generated by, one or both of (i) one or more mobile devices; and (ii) an insured vehicle or a computer system of the insured vehicle. (1) (0)

11. A system for facilitating loss mitigation, the system comprising: (7) (2)

one or more processors; and

one or more memories storing instructions that, when executed by the one or more processors, cause the one or more processors to collect accident data associated with a vehicle accident involving a driver, the accident data including vehicle telematics data, and the driver being associated with an insurance policy issued by the insurance provider,

analyze the accident data,

determine, based upon the analysis of the accident data, a likely severity of the vehicle accident,

generate, based upon the determined likely severity of the vehicle accident, a communication related to emergency assistance or an emergency assistance recommendation,

cause the communication related to the emergency assistance or emergency assistance recommendation to be transmitted, via wireless communication, to a mobile device associated with the driver,

receive a wireless communication from the driver indicating approval or modification of the emergency assistance or emergency assistance recommendation, and

cause a third party to be notified of requested emergency assistance in accordance with the emergency assistance or emergency assistance recommendation as approved or modified by the driver.

12. The system of claim 11, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: (0) (1)

13. The system of claim 11, wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: (0) (1)

14. The system of claim 11, wherein the accident data includes data associated with, or generated by, one or more mobile devices. (0)

15. The system of claim 11, wherein the accident data includes data associated with, or generated by, an insured vehicle or a computer system of the insured vehicle. (0)

16. The system of claim 11, wherein the accident data includes data associated with, or generated by, a vehicle other than the insured vehicle. (0)

17. The system of claim 11, wherein the accident data includes data associated with, or generated by, vehicle-to-vehicle (V2V) communication. (0)

18. The system of claim 11, wherein the accident data includes data associated with, or generated by, roadside equipment or infrastructure located near a location of the vehicle accident. (0)

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Patent US9786154

Methods of facilitating emergency assistance

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