Real time insurance generation

Abstract

An on-board monitoring system in conjunction with a mobile device can be employed to gather real-time information regarding how a vehicle is being operated by the owner of the mobile device. The mobile device has information stored thereon that allows the user to be identified by the on-board monitoring system. The real-time information is forwarded to a remote insurance provider system that, based upon the gathered real-time information, determines an insurance rate. The determined insurance rate can be transmitted to the owner allowing them to see how their driving style is affecting their insurance rate and can adjust their driving style accordingly.

1 . A computer implemented system for real-time gathering insurance information, comprising:
 a collection component that gathers operation data from a vehicle, the operation data is gathered in real-time;   an identification component that obtains information from which an identity of an operator of the vehicle is established; and   an analysis component that determines an insurance rate based upon the operation data and operator identity.   
     
     
         2 . The system of  claim 1 , the operation data is gathered from a monitoring system where the monitoring system is located on the vehicle. 
     
     
         3 . The system of  claim 1 , the operator identity is obtained from a mobile device associated with the operator. 
     
     
         4 . The system of  claim 1 , further comprising an authentication component that authenticates the operator based at least in part on information provided by the mobile device. 
     
     
         5 . The system of  claim 4 , the authentication component compares the information provided by the mobile device with operator account information stored in a database. 
     
     
         6 . The system of  claim 1 , further comprising an authorization component that based upon at least feedback provided by the operator determines whether the operator is allowed to operate the vehicle. 
     
     
         7 . The system of  claim 1 , further comprising a driving analysis component that receives the operation data, the operation data indicates how the vehicle is being driven. 
     
     
         8 . The system of  claim 7 , further comprising a dynamic rate determination component that calculates insurance rates based upon the results received from the data analysis component. 
     
     
         9 . A method for gathering real-time data for determination of insurance rates, comprising:
 employing a processor executing computer executable instructions stored on a computer readable storage medium to implement the following acts:   identifying a potential driver of a vehicle based upon identification information stored on a device associated with the driver; and   gathering real-time data from the vehicle being driven by the driver.   
     
     
         10 . The method of  claim 9 , further comprising forwarding the real-time data to an external insurance rate determination system. 
     
     
         11 . The method of  claim 10 , further comprising receiving from the external insurance rate determination system an insurance rate determined at least in part on the real-time data. 
     
     
         12 . The method of  claim 11 , further comprising presenting the determined insurance rate to the driver. 
     
     
         13 . The method of  claim 9 , the device is a cell phone belonging to the driver. 
     
     
         14 . The method of  claim 13 , further comprising monitoring usage of the cell phone by the driver. 
     
     
         15 . The method of  claim 9 , the real-time data is employed to facilitate reconstruction of an accident. 
     
     
         16 . A computer implemented system for determining insurance rates in real-time, comprising:
 means for identifying a driver from information stored on a device associated with the driver; and   means for gathering real-time data regarding how the driver is driving a vehicle.   
     
     
         17 . The system of  claim 16 , further comprising means for transmitting the real-time data to a remote computer system that determines an insurance rate based at least in part on the real-time data. 
     
     
         18 . The system of  claim 17 , further comprising means for receiving an insurance rate from a remote computer system. 
     
     
         19 . The system of  claim 18 , further comprising means for presenting the insurance rate to the driver. 
     
     
         20 . The system of  claim 16 , means for determining usage of the device while the vehicle is being operated by the driver.