Systems and methods for adjusting insurance processes using data from telematics-enabled portable devices

摘要

Systems and methods are disclosed herein for transmitting telematics data from a vehicle. The systems include a smartphone holder that provides a communications link between a smartphone and a vehicle computer, through the smartphone dataport and the vehicle onboard diagnostics (OBD) port. The smartphone holder is configured to keep the smartphone in a stable, known position and orientation with respect to the vehicle, such that data from an accelerometer in the smartphone can be calibrated. The smartphone accelerometer data and telematics data from vehicle telematics sensors is then transmitted via the smartphone or stored locally.

主权项

1. A computer system for receiving and processing telematics data and orientation data from a telematics-enabled portable communications device having an orientation fixed with respect to a vehicle and in communication with a vehicle computer and for adjusting processes based on the received telematics and orientation data, comprising:
a communications interface configured to: receive, from a portable personal communications device, telematics data, the device having an orientation fixed with respect to a vehicle and being in communication with a vehicle computer of the vehicle, the telematics data being from at least one of a telematics sensor of the portable personal communications device and the vehicle computer; and
receive orientation data from the personal portable communications device; and an insurance computer system in communication with the communications interface and configured to:
receive data indicative of the telematics data and the orientation data from the communications interface; andadjust a vehicle insurance process based on the data indicative of the telematics data and the orientation data.