{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8489433","patent":{"patent_number":"US-8489433","title":"System and method for estimating loss propensity of an insured vehicle and providing driving information","assignee":null,"inventors":[],"filing_date":"2010-07-29T00:00:00.000Z","publication_date":"2013-07-16T00:00:00.000Z","cpc_codes":["G06Q"],"num_claims":21,"abstract":"A system and method for estimating loss propensity of a vehicle and providing driving information are provided. A loss propensity estimation server receives information from a telematics device installed in a vehicle, determines at least one loss cost area through which vehicle has traveled, and calculates a numeric loss cost factor based upon the at least one loss cost area relative to the amount of risk indicated by the vehicle's garaging loss cost. The numeric loss cost factor can be transmitted to an insurer for subsequent use by the insurer in underwriting or pricing a future insurance policy. A driving information database in the loss propensity estimation server stores driving information obtained from the telematics device installed in the vehicle, which can subsequently be transmitted to an insurer."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"System and method for estimating loss propensity of an insured vehicle and providing driving information","description":"A system and method for estimating loss propensity of a vehicle and providing driving information are provided. A loss propensity estimation server receives information from a telematics device instal","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8489433","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8489433","citation_suggestion":"Patentable. \"System and method for estimating loss propensity of an insured vehicle and providing driving information\" (US-8489433). https://patentable.app/patents/US-8489433","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8489433","json":"https://patentable.app/api/llm-context/US-8489433","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T04:56:25.644Z"}