Apparatus and method for providing insurance products, services and/or coverage for leased entities
First Claim
1. An apparatus for processing lease insurance information, comprising:
- a memory device for storing a first data set, the first data set containing information for generating at least one of an insurance premium and an insurance policy for providing insurance for excess wear and tear for a leased entity;
a processor for processing the first data set in conjunction with a second data set and a third data set, the second data set containing information regarding at least one of the entity to be leased and a term of the lease, and the third data set containing information regarding at least one of a driving history of the leasing individual, a driving history of the leasing entity, a usage history of the leasing individual, a usage history of the leasing entity, an insurance history of the leasing individual, an insurance history of the leasing entity, a past leasing history of the leasing individual, a past leasing history of the leasing entity, a desired lease insurance coverage, a lease insurance deductible, and a lease insurance policy term, the processor generating a fourth data set containing at least one of an insurance premium and an insurance policy for providing at least one of an insurance policy and an insurance product for excess wear and tear for the leased entity;
a device for at least one of displaying and outputting information contained in at least one of the fourth data set, the insurance premium, the insurance policy, and the insurance product, the processor generating a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the at least one of an insurance policy and an insurance product.
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Accused Products
Abstract
An apparatus and method for processing lease insurance information, including a memory device for storing information for generating at least one of an insurance premium and an insurance policy for providing insurance for at least one of excess wear and tear for a leased entity and post warranty repairs for a leased entity, a processor for generating information concerning at least one of an insurance premium and an insurance policy for providing an insurance policy or an insurance product, and a device for displaying or outputting information concerning the insurance premium, the insurance policy, or the insurance product. The processor generates a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the insurance policy or the insurance product.
109 Citations
20 Claims
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1. An apparatus for processing lease insurance information, comprising:
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a memory device for storing a first data set, the first data set containing information for generating at least one of an insurance premium and an insurance policy for providing insurance for excess wear and tear for a leased entity;
a processor for processing the first data set in conjunction with a second data set and a third data set, the second data set containing information regarding at least one of the entity to be leased and a term of the lease, and the third data set containing information regarding at least one of a driving history of the leasing individual, a driving history of the leasing entity, a usage history of the leasing individual, a usage history of the leasing entity, an insurance history of the leasing individual, an insurance history of the leasing entity, a past leasing history of the leasing individual, a past leasing history of the leasing entity, a desired lease insurance coverage, a lease insurance deductible, and a lease insurance policy term, the processor generating a fourth data set containing at least one of an insurance premium and an insurance policy for providing at least one of an insurance policy and an insurance product for excess wear and tear for the leased entity;
a device for at least one of displaying and outputting information contained in at least one of the fourth data set, the insurance premium, the insurance policy, and the insurance product, the processor generating a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the at least one of an insurance policy and an insurance product. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 17)
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11. An apparatus for processing lease insurance information, comprising:
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a memory device for storing a first data set, the first data set containing information for generating at least one of an insurance premium and an insurance policy for providing insurance for post warranty repairs for a leased entity;
a processor for processing the first data set in conjunction with a second data set and a third data set, the second data set containing information regarding at least one of the entity to be leased and a term of the lease, and the third data set containing information regarding at least one of a driving history of the leasing individual, a driving history of the leasing entity, a usage history of the leasing individual, a usage history of the leasing entity, an insurance history of the leasing individual, an insurance history of the leasing entity, a past leasing history of the leasing individual, a past leasing history of the leasing entity, a desired lease insurance coverage, a lease insurance deductible, and a lease insurance policy term, the processor generating a fourth data set containing at least one of an insurance premium and an insurance policy for providing at least one of an insurance policy and an insurance product for post warranty repairs for the leased entity;
a device for at least one of displaying and outputting information contained in at least one of the fourth data set, the insurance premium, the insurance policy, and the insurance product, the processor generating a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the at least one of an insurance policy and an insurance product. - View Dependent Claims (12, 13, 14, 15, 16, 18, 19)
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20. A method for processing lease insurance information, comprising:
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storing a first data set, the first data set containing information for generating at least one of an insurance premium and an insurance policy for providing insurance for at least one of excess wear and tear and for a leased entity and post warranty repairs for a leased entity;
processing the first data set in conjunction with a second data set and a third data set, the second data set containing information regarding at least one of the entity to be leased and a term of the lease, and the third data set containing information regarding at least one of a driving history of the leasing individual, a driving history of the leasing entity, a usage history of the leasing individual, a usage history of the leasing entity, an insurance history of the leasing individual, an insurance history of the leasing entity, a past leasing history of the leasing individual, a past leasing history of the leasing entity, a desired lease insurance coverage, a lease insurance deductible, and a lease insurance policy term;
generating a fourth data set containing at least one of an insurance premium and an insurance policy for providing at least one of an insurance policy and an insurance product for at least one of excess wear and tear and for a leased entity and post warranty repairs for a leased entity;
at least one of displaying and outputting information contained in at least one of the fourth data set, the insurance premium, the insurance policy, and the insurance product; and
generating a fifth data set containing information regarding at least one of a liability, a potential liability, and a risk of loss, associated with the at least one of an insurance policy and an insurance product.
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Specification