System and method for establishing rates for an automobile insurance policy,申请号US201213458447-传众专利搜索

System and method for establishing rates for an automobile insurance policy

申请公布号：US8489434(B1)

申请号：US201213458447

申请日期：2012.04.27

申请公布日期：2013.07.16

申请人：

OTIS ROBERT;MURPHY DEBORAH;MERWARTH MICHAEL;DAMROW THOMAS F.;MELONI KAREN D.;STOCKAND DENISE;UNITED SERVICES AUTOMOBILE ASSOCIATION

发明人：OTIS ROBERT;MURPHY DEBORAH;MERWARTH MICHAEL;DAMROW THOMAS F.;MELONI KAREN D.;STOCKAND DENISE

分类号：G06Q40/00

主分类号：G06Q40/00

摘要：Automobile insurance rates are established by performing calculations for defining a single tier placement dependent upon a combination of mutually exclusive factors based on applicant data. The factors include a household driving record gradient, a stability gradient and an operator driving record gradient. In the case of a new policy, the factors also include a named insured driving experience gradient and a prior insurance gradient. Alternately, in the case of a renewal policy, the factors also include a household claims record gradient, a member relationship gradient and an operator claims record gradient. No single factor is the sole determinant for placement in a tier.