US 2026/0105532 A1Published application

Alternative deductible

AssigneeAllstate Insurance Company

InventorsMichael S. Watson, Surender Gupta, Thomas J. Wilson

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Abstract

Methods, computer-readable media, software, and apparatuses provide a system for adjusting a deductible and/or determining eligibility for a deductible payment plan based on a user situation, wherein the user situation may include a driving situation and/or a home situation. Information regarding the user situation related to a vehicle or a home may be obtained from various sources. The information may be used to evaluate a degree of safety of the user situation. For example, the degree of safety may be associated with a user operating a vehicle and/or maintaining a home over a period of time. Based on the degree of safety of the user situation, the adjustment of the deductible and/or eligibility for the deductible payment plan may be determined. The system may also utilize one or more algorithms to process the information to determine eligibility for a deductible payment plan and/or adjustment of the deductible.

Claims20

Dependent claims

A method comprising:

receiving, by a computing device, sensor data from one or more sensors associated with a user, the sensor data including user situation information indicating a user situation related to a vehicle traveling along a route or a condition of a home for a predetermined period of time, the user situation information including data detected by the one or more sensors;
selecting, based on at least one characteristic of the user and on at least a portion of the user situation information, one of a plurality of algorithms, wherein each algorithm of the plurality of algorithms is configured to process the sensor data;
determining, based on at least the portion of the user situation information and using the selected one of the plurality of algorithms, a degree of safety of the user situation;
obtaining a deductible of an insurance policy for the vehicle or the home;
determining, based on the sensor data and the degree of safety of the user situation, an eligibility for a deductible payment plan for paying the deductible over a period of time;
and
presenting the deductible payment plan to the user for enrollment, responsive to the determination that the user is eligible for the deductible payment plan.

4 more elements

A system comprising:

a non-transitory computer-readable medium storing a set of processor-executable instructions;
and
one or more processors configured to execute the set of processor-executable instructions, wherein executing the set of processor-executable instructions causes the one or more processors to:
receive, by a computing device, sensor data from one or more sensors associated with a user, the sensor data including user situation information indicating a user situation related to a vehicle traveling along a route or a condition of a home for a predetermined period of time, the user situation information including data detected by the one or more sensors;
select, based on at least one characteristic of the user and on at least a portion of the user situation information, one of a plurality of algorithms, wherein each algorithm of the plurality of algorithms is configured to process the sensor data;
determine, based on at least the portion of the user situation information and using the selected one of the plurality of algorithms, a degree of safety of the user situation;
obtain a deductible of an insurance policy for the vehicle or the home;
determine, based on the sensor data and the degree of safety of the user situation, an eligibility for a deductible payment plan for paying the deductible over a period of time;
and
present the deductible payment plan to the user for enrollment, responsive to the determination that the user is eligible for the deductible payment plan.

7 more elements

A non-transitory computer readable medium storing computer-executable instructions that, when executed, cause at least one processor to:

receive, by a computing device, sensor data from one or more sensors associated with a user, the sensor data including user situation information indicating a user situation related to a vehicle traveling along a route or a condition of a home for a predetermined period of time, the user situation information including data detected by the one or more sensors;
select, based on at least one characteristic of the user and on at least a portion of the user situation information, one of a plurality of algorithms, wherein each algorithm of the plurality of algorithms is configured to process the sensor data;
determine, based on at least the portion of the user situation information and using the selected one of the plurality of algorithms, a degree of safety of the user situation;
obtain a deductible of an insurance policy for the vehicle or the home;
determine, based on the sensor data and the degree of safety of the user situation, an eligibility for a deductible payment plan for paying the deductible over a period of time;
and
present the deductible payment plan to the user for enrollment, responsive to the determination that the user is eligible for the deductible payment plan.

4 more elements

Dependencies are inferred from the claim text.