State Farm Mutual Automobile Insurance Company patents

Autonomous vehicle technology effectiveness determination for insurance pricing

Methods and systems for determining the effectiveness of one or more autonomous (and/or semi-autonomous) operation features of a vehicle are provided. According to certain aspects, information regarding autonomous operation features of the vehicle may be used to determine an effectiveness metric indicative of the ability of each autonomous operation feature... State Farm Mutual Automobile Insurance Company

Server for real-time accident documentation and claim submission

An server that facilitates efficient and convenient processing of an insurance claim. The claim processing application can receive text, image, and audio data associated with the insurance claim. Using the received data, a model of the user's vehicle and the scene of the accident are generated and displayed on the... State Farm Mutual Automobile Insurance Company

Using cognitive computing to provide targeted offers for preferred products to a user via a mobile device

Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may... State Farm Mutual Automobile Insurance Company

Systems and methods for handling communications during user operation of a motor vehicle

In one aspect, a system for receiving communications while a user operates a motor vehicle is provided. The system may include (1) a Bluetooth interface configured to establish a connection to a Bluetooth device associated with the motor vehicle, (2) a wireless communication interface configured to receive a wireless communication... State Farm Mutual Automobile Insurance Company

Traffic risk avoidance for a route selection system

Systems and methods relate to, inter alia, calculating a number of expected collisions in an area over a time period. The systems and methods may further determine a number of observed collisions in the area over the time period. The systems and methods may further calculate a risk index for... State Farm Mutual Automobile Insurance Company

Systems and methods using a mobile device to collect data for insurance premiums

A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during... State Farm Mutual Automobile Insurance Company

Alternative billing modes for security and automation applications

Techniques for facilitating one or more operating modes for monitoring of an intelligent home system are disclosed. The techniques facilitate detecting an adverse condition in a building, generating an alert based on the detection, sending a notification about the alert to a user (e.g., to a mobile device), awaiting a... State Farm Mutual Automobile Insurance Company

Online system for training novice drivers and rating insurance products

a system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, the system comprising: an Internet device that presents to an Internet user a visual presentation of a continuous drive through a driving environment comprising at least two hazard modules, wherein each hazard module presents to the Internet... State Farm Mutual Automobile Insurance Company

Assessing property damage using a 3d point cloud of a scanned property

A damage assessment module operating on a computer system automatically evaluates a property, estimating damage to the property by analyzing a point cloud of a property. The damage assessment module identifies individual point clusters or segments from the point cloud and detects potentially damaged areas of the property surface by... State Farm Mutual Automobile Insurance Company

Online training vehicle drivers and determining hazard detection proficiency

a system for determining vehicle driver hazard detection proficiency and calculating insurance discounts, the system comprising: an Internet device that presents to an Internet user a visual presentation of a continuous drive through a driving environment comprising at least two hazard modules, wherein each hazard module presents to the Internet... State Farm Mutual Automobile Insurance Company

Systems and methods using a mobile device to collect data for insurance premiums

A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during... State Farm Mutual Automobile Insurance Company

Methods using a mobile device to provide data for insurance premiums to a remote computer

A method for providing vehicle operation data to a remote computer or server for calculation of a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, wherein the method includes steps of: collecting vehicle operation data via a mobile device while... State Farm Mutual Automobile Insurance Company

Real-time driver observation and progress monitoring

In an embodiment, movement-data is gathered with one or more sensors (e.g., accelerometers, GPS receivers, etc.) during a driver's driving session. A score may be calculated for the driving session, and the driver's progress is evaluated by a driver-evaluation system. A driving session report or graphical user-interface (GUI) is generated... State Farm Mutual Automobile Insurance Company

Eye gaze tracking utilizing surface normal identification

A gaze tracking system captures images of a vehicle operator. The gaze tracking system may detect facial features in the images and track the position of the facial features over time. The gaze tracking system may detect a triangle in an image, wherein the vertices of the triangle correspond to... State Farm Mutual Automobile Insurance Company

Audio-based 3d point cloud generation and analysis

In a system and method for inspecting a property, a microphone receives one or more audio waves propagating from a structure. One or more processors generate a 3D point cloud based on the received audio waves, analyzed the generated 3D point cloud to identify features of a surface or subsurface... State Farm Mutual Automobile Insurance Company