METHOD AND SYSTEM FOR FURNISHING AN ON-LINE QUOTE FOR AN INSURANCE PRODUCT
First Claim
1. A method of furnishing a real-time, on-line quote for an insurance product for a user, comprising:
- presenting to the user an assistance feature comprising a coverage choices feature that displays to the user insurance coverage choices;
receiving from the user at a computing device basic user information by an on-line quote system application via an on-line quote system web server;
providing by the on-line quote system application the assistance feature that generates said coverage choices for the user responsive to the basic user information received from the user;
receiving rating information for the user from a rating engine by the on-line quote system application responsive to the basic user information received from the user; and
providing a quote for the user for said coverage choices by the on-line quote system application via the on-line quote system web server responsive to the basic user information received from the user and the rating information received from the rating engine.
2 Assignments
0 Petitions
Accused Products
Abstract
A method and system for furnishing an on-line quote for an insurance product, such as auto insurance, makes use of computer hardware and software to provide a user with an on-line, real-time quote. The system allows the user to enter user information and recommends coverages, liabilities, and deductibles to help the user determine the best insurance coverage for the user'"'"'s needs. Upon entering the user data and coverage information on a presentation server, deployable content profile information is retrieved by the presentation server, and a quote is displayed for the user. If the user indicates a continued interest in the quote, a client number is presented to the user and sent to a computer telephony integration database.
In an alternate embodiment of the method and system for furnishing an on-line quote for an insurance product, such as auto insurance, the user is allowed to enter basic user information on an on-line quote system application which calls a common data entry system to request credit information for the user. The common data entry system sends the requested credit information to the on-line quote system application, and the user is allowed to enter a selection of coverage using, for example, a coverage wizard feature or a direct-to quote feature. The user is then allowed to enter underwriting information on the on-line quote system application which calls a rating engine of the common data entry system to request rating information. Thereafter, the on-line quote system application displays a quote for the user based at least in part on the rating information, and the user is offered and option to talk to an agent. A fast-forward feature simplifies the entry of modifications for the user.
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Citations
24 Claims
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1. A method of furnishing a real-time, on-line quote for an insurance product for a user, comprising:
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presenting to the user an assistance feature comprising a coverage choices feature that displays to the user insurance coverage choices; receiving from the user at a computing device basic user information by an on-line quote system application via an on-line quote system web server; providing by the on-line quote system application the assistance feature that generates said coverage choices for the user responsive to the basic user information received from the user; receiving rating information for the user from a rating engine by the on-line quote system application responsive to the basic user information received from the user; and providing a quote for the user for said coverage choices by the on-line quote system application via the on-line quote system web server responsive to the basic user information received from the user and the rating information received from the rating engine. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A system for furnishing a real-time on-line quote for an insurance product for a user, comprising:
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an on-line quote system application that presents to the user an assistance feature comprising a coverage choices feature that displays to the user insurance coverage choices; wherein the on-line quote application receives basic user information via an on-line quote system web server from a user at a computing device coupled to the on-line quote system web server; wherein the on-line quote application provides the assistance feature that generates at least one of the said coverage choices for the user responsive to the basic user information received from the user; wherein the on-line quote system application receives rating information for the user from a rating engine responsive to the basic user information received from the user; and wherein the on-line quote application provides a quote for the user for the coverage choices via the on-line quote system web server responsive to the basic user information and the underwriting information received from the user and the rating information received from the rating engine. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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22. A method for determining and providing a user with an on-line, real-time quote for an insurance product, comprising:
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receiving from the user on an on-line quote application basic information comprising information about the user and information about at least one item to be insured for the user; requesting by the on-line quote application, responsive to the basic information received from the user, additional information about the user from a third party data source; receiving the additional information from the third party data source; providing by the on-line quote system application an assistance feature to the user; receiving rating information for the user from a rating engine responsive to the basic information received from the user and the additional information received from the third party data source; determining the real-time quote by the on-line quote application, responsive to the basic information received from the user, the additional information received from the third party data source, and the rating information received from the rating engine; and providing the quote to the user by the on-line quote application. - View Dependent Claims (23, 24)
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Specification