Liability insurance coverage referral systems and methods
First Claim
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1. A system for making a determination of whether a claim for a defense under a liability insurance policy should be referred to a higher review level comprising:
- a tangible medium setting forth a multiplicity of categories of circumstances relevant to analyzing the claim which either apply or do not apply to the claim, and human- or computer-executable instructions for determining, from the number of categories found to apply, and optionally also from their relative importance, whether the claim should be referred to a higher review level.
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Abstract
Methods and systems for deterrmining which individual claims and/or suits submitted for a defense under a policy of liability insurance are best suited to be referred to a higher level of analysis, such as outside legal counsel for a coverage opinion and analysis. Particularly, those which allow, for example, a claims handler to quickly and efficiently make this determination, i.e., to make an automatic coverage referral.
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Citations
38 Claims
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1. A system for making a determination of whether a claim for a defense under a liability insurance policy should be referred to a higher review level comprising:
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a tangible medium setting forth a multiplicity of categories of circumstances relevant to analyzing the claim which either apply or do not apply to the claim, and human- or computer-executable instructions for determining, from the number of categories found to apply, and optionally also from their relative importance, whether the claim should be referred to a higher review level. - View Dependent Claims (3, 5, 7, 9, 12, 14, 16, 17, 20, 21, 24, 25, 27, 30, 32, 33, 35, 37)
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2. A method for determining whether a claim for a defense under a liability insurance policy should be referred to a higher review level comprising:
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making a determination whether each of a multiplicity of categories of circumstances relevant to analyzing the claim either apply or do not apply to the claim and indicating such in a tangible medium setting forth the categories, and based on the determinations of how many categories apply, and optionally also from their relative importance, executing, by human or computer action, instructions provided on or with the tangible medium to determine whether the claim should be referred to a higher review level. - View Dependent Claims (4, 6, 8, 10, 11, 13, 15, 18, 19, 22, 23, 26, 28, 29, 31, 34, 36, 38)
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Specification