Patent ID: 11861719
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Measurement (Instruments)
Classification: CPC G | IPC G

Claim 13:
14. A non-transitory computer-readable storage medium storing instructions that cause a processor executing the instructions to effectuate operations, the operations comprising:
receiving geographic location data indicative of two or more locations of a vehicle from a telematics device installed in the vehicle,
wherein the telematics device includes a location sensor and a transmitter,
wherein the location sensor is configured to collect the geographic location data,
wherein the transmitter is configured to transmit, via a network, the geographic location data to a server including the processor,
wherein the vehicle is insured by a first insurance policy for a first rating area covering a first location of the two or more locations, and
wherein the first insurance policy has a first set of coverage parameters;

determining a second rating area covering a second location among the two or more locations of the vehicle, wherein the second rating area is different than the first rating area;
determining that the second rating area is a primary location of the vehicle based on a number of miles travelled by the vehicle in the second rating area being more than a number of miles travelled by the vehicle in the first rating area;
determining that the primary location of the vehicle requires a second insurance policy different from the first insurance policy;
generating the second insurance policy for the vehicle based on at least the second rating area, wherein the second insurance policy has a second set of coverage parameters different from the first set of coverage parameters; offering the second insurance policy to an owner of the vehicle; and
based on acceptance of the offer for the second insurance policy, implementing the second insurance policy in addition to the first insurance policy.