Dustin R Carter, 42Normal, IL

2023013, Apr 27, 2023

Dec 22, 2022

18/087095

- Bloomington IL, US
Mark E. Clauss - Bloomington IL, US
Dustin Ryan Carter - Normal IL, US
Douglas Albert Graff - Mountain View MO, US
Megan Michal Baumann - Bloomington IL, US
Atlanta Bonnom - Bloomington IL, US
Craig Cope - Bloomington IL, US
Jennifer Luella Lawyer - Bloomington IL, US
Curtis Simpson - Bloomington IL, US
Nathan W. Baumann - Bloomington IL, US

State Farm Mutual Automobile Insurance Company - Bloomington IL

B60R 25/04
G08B 25/00
G06Q 40/08
B60R 25/102
B60W 40/09
B60W 40/08
G08B 21/02

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.

2021040, Dec 30, 2021

Sep 10, 2021

17/471884

- BLOOMINGTON IL, US
Mark E. Clauss - Bloomington IL, US
Dustin Ryan Carter - Normal IL, US
Douglas Albert Graff - Mountain View MT, US
Megan Michal Baumann - Bloomington IL, US
Atlanta Bonnom - Bloomington IL, US
Craig Cope - Bloomington IL, US
Jennifer Luella Lawyer - Bloomington IL, US
Curtis Simpson - Bloomington IL, US
Nathan W. Baumann - Bloomington IL, US

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY - BLOOMINGTON IL

G06Q 40/08
B60W 40/08

In systems and methods for facilitating fault determination, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may analyzed and, based upon the analysis of the accident data, fault (or lack thereof) of the driver, other drivers, road or weather conditions, construction, or other external factors or environment conditions for the vehicle accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident, and to adjust, generate or update one or more insurance-related items, including (i) parameters of the insurance policy; (ii) a premium; (iii) a rate; (iv) a discount; or (v) a reward. As such, drivers not at a fault for an accident may realize insurance-cost savings and/or may not be unfairly penalized.

2021035, Nov 11, 2021

Oct 1, 2019

16/589928

- Bloomington IL, US
Atlanta Bonnom - Denver CO, US
Jennifer L. Lawyer - Bloomington IL, US
Dustin Carter - Normal IL, US
Nathan W. Baumann - Bloomington IL, US
Craig B. Cope - Bloomington IL, US
Megan Baumann - Bloomington IL, US
Douglas A. Graff - Bloomington IL, US
Curtis L. Simpson - Carlock IL, US
Mark E. Clauss - Bloomington IL, US

State Farm Mutual Automobile Insurance Company - Bloomington IL

G06Q 40/08

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.

2021022, Jul 22, 2021

Apr 5, 2021

17/222318

- Bloomington IL, US
Mark E. Clauss - Bloomington IL, US
Dustin Ryan Carter - Normal IL, US
Megan Michal Baumann - Bloomington IL, US
Atlanta Bonnom - Denver CO, US
Craig Cope - Bloomington IL, US
Jennifer Luella Lawyer - Bloomington IL, US
Curtis Simpson - Carlock IL, US
Nathan W. Baumann - Bloomington IL, US
Douglas Albert Graff - Bloomington IL, US

G08B 25/00
G06Q 40/08
G08B 21/02

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.

2021004, Feb 11, 2021

Oct 27, 2020

17/081623

- Bloomington IL, US
Mark E. Clauss - Bloomington IL, US
Dustin Ryan Carter - Normal IL, US
Douglas Albert Graff - Mountain View MO, US
Megan Michal Baumann - Bloomington IL, US
Atlanta Bonnom - Bloomington IL, US
Craig Cope - Bloomington IL, US
Jennifer Luella Lawyer - Bloomington IL, US
Curtis Simpson - Bloomington IL, US
Nathan W. Baumann - Bloomington IL, US

G06Q 40/08

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.

2021004, Feb 11, 2021

Oct 22, 2020

17/077460

- Bloomington IL, US
Mark E. Clauss - Bloomington IL, US
Dustin Ryan Carter - Normal IL, US
Douglas Albert Graff - Mountain View MO, US
Megan Michal Baumann - Bloomington IL, US
Atlanta Bonnom - Bloomington IL, US
Craig Cope - Bloomington IL, US
Jennifer Luella Lawyer - Bloomington IL, US
Curtis Simpson - Bloomington IL, US
Nathan W. Baumann - Bloomington IL, US

G08B 25/00
G08B 21/02
G06Q 40/08

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.