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    ACCIDENT RECONSTRUCTION IMPLEMENTING UNMANNED AERIAL VEHICLES (UAVS)
    42.
    发明申请
    ACCIDENT RECONSTRUCTION IMPLEMENTING UNMANNED AERIAL VEHICLES (UAVS) 有权

    公开(公告)号：US20220245720A1

    公开(公告)日：2022-08-04

    申请号：US17723908

    申请日：2022-04-19

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Nathan L. Tofte ,  Timothy W. Ryan ,  Nathan W. Baumann ,  Michael Shawn Jacob ,  Joshua David Lillie ,  Brian N. Harvey ,  Roxane Lyons ,  Rosemarie Geier Grant

    IPC: G06Q40/00

    Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the state of the traffic light at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation.

    THEFT IDENTIFICATION AND INSURANCE CLAIM ADJUSTMENT USING DRONE DATA
    45.
    发明申请
    THEFT IDENTIFICATION AND INSURANCE CLAIM ADJUSTMENT USING DRONE DATA 有权

    公开(公告)号：US20210256614A1

    公开(公告)日：2021-08-19

    申请号：US14858058

    申请日：2015-09-18

    Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

    Inventor： Nathan L. Tofte ,  Timothy W. Ryan ,  Nathan W. Baumann ,  Michael Shawn Jacob ,  Joshua David Lillie ,  Brian N. Harvey ,  Roxane Lyons ,  Rosemarie Geier Grant

    IPC: G06Q40/08

    Abstract: Various techniques are described utilizing unmanned aerial vehicles (UAVs, or “drones”) for various disaster and/or catastrophe-related purposes. An area at risk of an insurance-related event (catastrophe, hurricane, natural disaster, wild fire, etc.) that requires evacuation may be determined, as well as insured premises or assets within that area. With an insured's permission, drones may be directed to the area to collect image or other data of insured premises or assets before, during, or after the event strikes. The drone data may be received and analyzed to identify losses to insured assets that should properly be classified as theft losses for insurance purposes. Insurance claims may be prepared or adjusted for insureds based upon the theft losses in accordance with various types of insurance policies (auto, home, personal articles, etc.) or endorsements to ensure that insureds are properly and promptly reimbursed for the theft losses.

    Loss mitigation implementing unmanned aerial vehicles (UAVs)
    50.
    发明授权
    Loss mitigation implementing unmanned aerial vehicles (UAVs) 有权

    公开(公告)号：US10685404B1

    公开(公告)日：2020-06-16

    申请号：US16294340

    申请日：2019-03-06

    Applicant: State Farm Mutual Automobile Insurance Company

    Inventor： Nathan L Tofte ,  Timothy W Ryan ,  Nathan W Baumann ,  Michael Shawn Jacob ,  Joshua David Lillie ,  Brian N Harvey ,  Roxane Lyons ,  Rosemarie Geier Grant

    IPC: G06Q40/00 ,  G06Q40/08

    Abstract: Unmanned aerial vehicles (UAVs) may facilitate insurance-related tasks. UAVs may actively be dispatched to an insured asset and the area surrounding an insured asset, such as with the policyholder or insured's permission and collect data related to the insured asset, such as images, video, audio, weather conditions, thermal signatures, wood and soil samples, etc., and transmit this data to a computing device. The computing device may be associated with and/or utilized by an insurance provider to perform insurance-related tasks, such as processing the data to determine an amount of risk associated with the insured asset. If the amount of risk has increased, the computing device may provide a recommendation to a mobile device of the policyholder on how to reduce the risk such that corrective action may be taken. Insurance discounts may be provided based upon following recommendations that mitigate risk.

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