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Evaluating risk of insuring an individual based on timely assessment of motor vehicle records

  • US 20060095304A1
  • Filed: 10/28/2005
  • Published: 05/04/2006
  • Est. Priority Date: 10/29/2004
  • Status: Abandoned Application
First Claim
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1. A computer-implemented method for generating a report based on an insured person'"'"'s motor vehicle record, comprising the steps of:

  • creating insured data comprising at least one of the identity of the insured person and background information for the insured person;

    creating rule data comprising (a) a selective designation designating whether certain information in the insured person'"'"'s motor vehicle record is selective information or non-selective information, and (b) a formatting designation designating at least one of the format of the report and the content of the report, wherein the formatting designation depends on whether the insured person'"'"'s motor vehicle record comprises at least one of the selective information and the non-selective information;

    utilizing the insured data to obtain incident data comprising information regarding the insured person'"'"'s motor vehicle record;

    determining whether the incident data comprises at least one of the selective information and the nonselective information; and

    based upon that determination, applying the formatting designation to the incident data to generate the report in accordance with the rule data.

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