US 8,712,795 B1Granted

Method and apparatus for internet on-line insurance policy service

AssigneeProgressive Casualty Insurance Company

InventorsAlan R. Bauer, Amanda L. Bowman, Richard J. Keyser, Megan N. McNamara, Cheryl L. Urminski, Leslie Youngstrom, Toby Alfred

Life of this patent

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Abstract

An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.

Claims28

Dependent claims

An on-line insurance policy service system, comprising:

a computer system that enables an insurance policyholder to access insurance data of an existing insurance policy remotely through a publicly accessible network;
an information module configured to run on the computer system and verify an insurance policy parameter of the insurance policyholder in real-time in response to data received from the insurance policyholder through the publicly accessible network;
a claims module configured to process second data received from the insurance policyholder through the publicly accessible network and identify a claimant, confirm insurance coverages, and summarize the insurance claim based on the processing of the second data;
the claims module including a module aggregating service related to a loss recovery that is configured to automatically provide aggregated services to the insurance policyholder to rehabilitate the sustained loss in accordance with the information processed by the claims module;
where the claims module enables the insurance policyholder to communicate, without action by personnel of the insurance company, directly with a third party provider independent of the insurance company, of services related to loss recovery.

2 more elements

An on-line insurance policy service system comprising:

a computer system that enables an insurance policyholder to access insurance data during a term of the insurance policyholder's existing insurance policy remotely through a network without the intervention of an insurance professional acting on the insurance policyholder's behalf, the computer system being configured to execute software embodied on a non-transitory computer readable medium linked to the insurance data;
an information module embodied on the computer readable medium that identifies the insurance policyholder and verifies an insurance policy parameter in real-time in response to first data received from the insurance policyholder through the network;
an insurance policy adjustment module embodied on the computer readable medium that adjusts a selected insurance policy parameter within the existing insurance policy in real-time in response to second data received from the insurance policyholder through the network;
where the insurance policy adjustment module generates an insurance document that reflects the adjustment of the selected insurance policy parameter of the existing insurance policy and sends the insurance document to the insurance policyholder in response to the second data received from the insurance policyholder through the network;
where the adjustment of the selected insurance policy parameter amends a coverage provided by the existing insurance policy and a premium associated with the existing insurance policy during the insurance policy term;
and
where the existing insurance policy comprises a health, a property-casualty, or a liability insurance policy.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/616,426Filed 14 Sep 2012 · continuation
Priority: 30 Jul 1999
Granted: 29 Apr 2014
Term ends: Not estimatedThe source records don’t support an estimate.

Classification3 codes

G06Q 10/10
Administration; Management: office automation; Time management
G06Q 40/08
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: insurance
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial

Family

Application09/364,803Parent of this continuation · filed 30 Jul 1999
Application11/580,324Parent of this continuation · filed 13 Oct 2006
Application12/969,211Parent of this continuation · filed 15 Dec 2010
US 8,484,046 B1Parent of this continuation
US 7,877,269 B2Parent of this continuation
US 7,124,088 B2Parent of this continuation
US 2002/0116228 A1Published application
US 2007/0038488 A1Published application
US 8,712,795 B1This patent

From the US filing history. Foreign family members aren’t listed.