US Patent 9773251 Apparatus and system for generating vehicle usage model

A vehicle computer system configured to communicate with a mobile device, comprising a wireless transceiver configured to communicate with the mobile device. The vehicle computer system also includes a processor in communication with the wireless transceiver. The processor is configured to receive information from one or more vehicle sensors regarding vehicle usage, send the information to an off-board server via the wireless transceiver, wherein the information is utilized in a damages-model regarding the vehicle, and output the information concerning the damages-model to a user display.