Patent ID: 9616849
Date: 2017-04-11
CPC Classifications: B60R,F02D,F02N,G06Q

Claim:
1. A computer readable medium having computer executable instructions thereon for providing driving insurance for an individual driver, said instructions comprising computer executable instructions for: wirelessly receiving an identification of the driver from a wireless device within a vehicle; wirelessly receiving an identification of the vehicle from the wireless device within the vehicle; electronically calculating a risk of insuring the driver for liability arising from a vehicle accident regardless of any specific vehicle driven by the driver during the vehicle accident; electronically and automatically calculating an insurance premium rate using the previously calculated risk; electronically preparing an insurance policy using the calculated premium rate, wherein the insurance policy provides liability vehicle insurance covering the driver regardless of any specific vehicle driven by the driver during the accident; wirelessly receiving an electronically signed insurance policy back from the driver; and electronically enabling the vehicle to be started by the driver based on a determination that the driver is insured for driving the vehicle and the wireless device being within the vehicle,