Insurance coverage verification

• US 20060095305A1
• Filed: 10/28/2005
• Published: 05/04/2006
• Est. Priority Date: 10/29/2004
• Status: Abandoned Application

• Current Assignee: LexisNexis Risk Solutions, Inc. (RELX PLC)
• Original Assignee: Choicepoint Asset Company
• Inventors: Madison, Bill, Trocheck, Jeanne
• Application Number:
  US11/261,347
• Publication Number:
  US 20060095305A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Automated generation of reports based on insurance coverage of youthful drivers. Insurance carriers can automatically obtain, at appropriate times, customized reports for use in monitoring insurance coverage of youthful drivers. The youthful drivers can be newly-licensed persons who reside with insured persons. The reports can indicate whether the youthful drivers are insured by a particular insurance carrier and/or whether they are uninsured persons. The insurance carriers can designate the reports'"'"' format, content, generation times, and output times. In designating the output times, the insurance carriers can designate whether and/or when to delay output of certain generated reports. In addition, the insurance carriers can designate whether and/or when to update and/or verify the contents of each generated report prior to outputting the report. Allowing insurance carriers to designate when, how, and in what format, they wish to receive the reports permits for more effective, more efficient, continuous monitoring of youthful drivers.

Claims

1. A computer-implemented method for determining whether a youthful driver is an uninsured youthful driver, comprising the steps of:

creating policy data for each of a plurality of insurance carriers, the policy data comprising information regarding at least one auto insurance policy of each respective insurance carrier, the plurality of insurance carriers comprising a first insurance carrier and at least one other insurance carrier;

for each auto insurance policy, creating insured data comprising information regarding at least one insured person insured on the auto insurance policy;

creating youthful driver data comprising information regarding the youthful driver;

determining whether the youthful driver is insured on an auto insurance policy of the first insurance carrier by comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the first insurance carrier; and

determining whether the youthful driver is insured on an auto insurance policy of any of the plurality of insurance carriers by comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the plurality of insurance carriers, in response to a determination that the youthful driver is not insured on an auto insurance policy of the first insurance carrier.

2. The computer-implemented method of claim 1, wherein the youthful driver resides with an insured person insured on an auto insurance policy of one of the plurality of insurance carriers.

3. The computer-implemented method of claim 1, wherein the youthful driver resides with an insured person insured on an auto insurance policy of the first insurance carrier.

4. The computer-implemented method of claim 1, wherein the step of determining whether the youthful driver is insured on an auto insurance policy of the first insurance carrier further comprises comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the first insurance carrier on a first day, and the step of determining whether the youthful driver is insured on an auto insurance policy of any of the plurality of insurance carriers further comprises comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the plurality of insurance carriers on a second day.

5. The computer-implemented method of claim 1, wherein the youthful driver data comprises at least one of a name of the youthful driver, an address of the youthful driver, a driver'"'"'s license issue date of the youthful driver, and a date of birth of the youthful driver.

6. The computer-implemented method of claim 1, further comprising the step of generating a report comprising information regarding whether the youthful driver is insured on an auto insurance policy of the first insurance carrier.

7. The computer-implemented method of claim 6, further comprising the step of creating rule data designating at least one of the format of the report and the content of the report, wherein the step of generating the report comprises applying the rule data to at least one of the policy data, insured data, and youthful driver data.

8. The computer-implemented method of claim 1, further comprising the step of generating a report comprising information regarding whether the youthful driver is insured on an auto insurance policy of any of the plurality of insurance carriers.

9. The computer-implemented method of claim 8, further comprising the step of creating rule data designating at least one of the format of the report and the content of the report, wherein the step of generating the report comprises applying the rule data to at least one of policy data, insured data, and youthful driver data.

10. A computer-implemented method for determining whether a youthful driver is an uninsured youthful driver, comprising the steps of:

creating policy data for each of a plurality of insurance carriers, the policy data comprising information regarding at least one auto insurance policy of each respective insurance carrier, the plurality of insurance carriers comprising a first insurance carrier and at least one other insurance carrier;

for each auto insurance policy, creating insured data comprising information regarding at least one insured person insured on the auto insurance policy;

identifying at least one youthful driver residing with an insured person;

determining whether each identified youthful driver is insured on an auto insurance policy of the first insurance carrier by comparing youthful driver data comprising information regarding the identified youthful driver to at least one of the policy data and the insured data corresponding to the first insurance carrier on a first day; and

determining whether the youthful driver is insured on an auto insurance policy of any of the plurality of insurance carriers by comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the plurality of insurance carriers on a second day, in response to a determination that the youthful driver is not insured on an auto insurance policy of the first insurance carrier.

11. The computer-implemented method of claim 10, wherein the step of identifying at least one youthful driver residing with an insured person comprises identifying at least one youthful driver residing with an insured person insured on an auto insurance policy of the first insurance carrier.

12. The computer-implemented method of claim 10, wherein the youthful driver data comprises at least one of a name of the youthful driver, an address of the youthful driver, a driver'"'"'s license issue date of the youthful driver, and a date of birth of the youthful driver.

13. The computer-implemented method of claim 10, further comprising the step of generating a report comprising information regarding whether each identified youthful driver is insured on an auto insurance policy of the first insurance carrier.

14. The computer-implemented method of claim 13, further comprising the step of creating rule data designating at least one of the format of the report and the content of the report, wherein the step of generating the report comprises applying the rule data to at least one of policy data, insured data, and youthful driver data.

15. The computer-implemented method of claim 10, further comprising the step of generating a report comprising information regarding whether each identified youthful driver is insured on an auto insurance policy of any of plurality of insurance carriers.

16. The computer-implemented method of claim 15, further comprising the step of creating rule data designating at least one of the format of the report and the content of the report, wherein the step of generating the report comprises applying the rule data to at least one of policy data, insured data, and youthful driver data.

17. A computer-implemented method for generating a report based on a youthful driver'"'"'s insurance coverage, comprising the steps of:

creating policy data for each of a plurality of insurance carriers, the policy data comprising information regarding at least one auto insurance policy of each respective insurance carrier, the plurality of insurance carriers comprising a first insurance carrier and at least one other insurance carrier;

for each auto insurance policy, creating insured data comprising information regarding at least one insured person insured on the auto insurance policy;

creating youthful driver data comprising information regarding the youthful driver;

creating rule data comprising a formatting designation designating at least one of the format of the report and the content of the report, the formatting designation based on at least one of;

(1) whether the youthful driver is insured on an auto insurance policy of the first insurance carrier, and (2) whether the youthful driver is insured on an auto insurance policy of any of the at least one other insurance carrier;

determining whether the youthful driver is insured on an auto insurance policy of the first insurance carrier by comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the first insurance carrier;

determining whether the youthful driver is insured on an auto insurance policy of any of the plurality of insurance carriers by comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the plurality of insurance carriers, in response to a determination that the youthful driver is not insured on an auto insurance policy of the first insurance carrier; and

generating a report in accordance with the rule data.

18. The computer-implemented method of claim 17, wherein the youthful driver resides with an insured person insured on an auto insurance policy of one of the plurality of insurance carriers.

19. The computer-implemented method of claim 17, wherein the youthful driver resides with an insured person insured on an auto insurance policy of the first insurance carrier.

20. The computer-implemented method of claim 17, wherein the step of determining whether the youthful driver is insured on an auto insurance policy of the first insurance carrier further comprises comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the first insurance carrier on a first day, and the step of determining whether the youthful driver is insured on an auto insurance policy of any of the plurality of insurance carriers further comprises comparing the youthful driver data to at least one of the policy data and the insured data corresponding to the plurality of insurance carriers on a second day.

21. The computer-implemented method of claim 17, wherein the youthful driver data comprises at least one of a name of the youthful driver, an address of the youthful driver, a driver'"'"'s license issue date of the youthful driver, and a date of birth of the youthful driver.