Automated Accident Information Exchange Platform
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Solution Overview
Problem
In vehicle accidents, drivers often struggle to exchange essential information such as insurance details, which can be incomplete, inaccurate, or not exchanged at all, especially in stressful situations like hit-and-run cases.
Innovation Solution
An insurance exchange platform that uses user devices with motion sensors to detect accidents and facilitates the automatic exchange of information, including insurance policy data, between involved parties by interacting with server devices and insurance providers, ensuring valid and up-to-date information is shared without manual intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If drivers manually exchange information at accident scenes, then information can be shared between parties, but the information may be incomplete, inaccurate, or not exchanged at all due to stress and time pressure
Solution Approach 1:
The patent introduces a server as an intermediary that automatically receives, verifies, and exchanges insurance information between drivers involved in accidents. This mediator eliminates the need for manual information exchange, ensuring complete and accurate information transfer by having the server collect data directly from both parties' user devices and facilitate automated verification and sharing of policy details.
Solution Approach 2:
The system performs preliminary actions by pre-collecting and storing insurance policy information in users' profiles before accidents occur. When an accident is detected via motion sensors, the system already has the necessary information ready to exchange, eliminating the need for drivers to manually gather information at the scene and ensuring completeness and accuracy.
2Reliability
If drivers manually gather and verify insurance information at accident scenes, then information can be exchanged, but this process consumes significant time and resources
Solution Approach 1:
The patent replaces the manual mechanical process of information exchange with an automated electronic system. Motion sensors detect accidents, trigger automated server communications, and facilitate electronic exchange of insurance data between parties. This substitution eliminates the time-consuming manual processes of writing down, memorizing, or verbally exchanging information while maintaining verification reliability through automated system checks.
3Ease of operation
If no automated system is used, then drivers have full control over information exchange, but the process becomes cumbersome and error-prone in stressful situations
Solution Approach 1:
The system enables self-service by allowing drivers to simply experience an accident detected by motion sensors in their devices, after which the automated system handles all information exchange operations. Drivers don't need to manually initiate or manage the process - the system automatically detects the accident, contacts the server, verifies information, and completes the exchange, making the process simple while maintaining high reliability through automated verification protocols.
Data Source
AI summary
A server device may receive, from a first user device, a first set of information regarding a first accident involving a first vehicle, and from a second user device, a second set of information regarding a second accident involving a second vehicle. The first user device may relate to a first user associated with a first policy issued by a first policy provider. The second user device may relate to a second user associated with a second policy issued by a second policy provider. The server device may determine that the first accident corresponds to the second accident, obtain first policy data relating to the first policy, and second policy data relating to the second policy, and cause the first policy data to be provided to the second user device, and the second policy data to be provided to the first user device.