WEB-BASED SYSTEMS AND METHODS FOR PROVIDING SERVICES RELATED TO AUTOMOBILE SAFETY AND AN INSURANCE PRODUCT
First Claim
1. A web-based system for providing services related to automobile safety and an insurance product, comprising:
- a web site comprising a home web page configured to provide links to one or 5 more web pages accessible by a user over the Internet, the one or more web pages being configured to provide at least two elements selected from;
an interface to a GPS vehicle monitoring system connected to provide vehicle information to the user via one or more of the web pages and to receive instructions from the user to select features of the GPS system;
at least one of a display of or link to educational information relating to safe driving, stored by the web-based system or provided by interface to a third party web site;
oran interface to a roadside assistance system.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods provide services relating to driving safety and insurance in connection with insuring selected segments of a population, such as young drivers or elderly drivers. A web-based system provides a web site having a home web page configured to provide links to web pages accessible by a user over the Internet, configured to provide program elements such as an interface to a GPS vehicle monitoring system connected to provide vehicle information to the user via one or more of the web pages and to receive instructions from the user to select features of the GPS system, a display of or link to educational information relating to safe driving, stored by the web-based system or provided by interface to a third party web site; or a display of or link to a tool providing an estimate of an insurance premium discount based on use of the program. A system for providing an insurance price estimate, a computer-implemented method of promoting the sale of vehicle insurance to a population segment, a computer system for providing an insurance premium discount, and a computer program product are also provided.
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Citations
28 Claims
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1. A web-based system for providing services related to automobile safety and an insurance product, comprising:
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a web site comprising a home web page configured to provide links to one or 5 more web pages accessible by a user over the Internet, the one or more web pages being configured to provide at least two elements selected from; an interface to a GPS vehicle monitoring system connected to provide vehicle information to the user via one or more of the web pages and to receive instructions from the user to select features of the GPS system; at least one of a display of or link to educational information relating to safe driving, stored by the web-based system or provided by interface to a third party web site;
oran interface to a roadside assistance system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for providing an insurance price estimate, comprising:
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an interface for receiving user information used for calculating an insurance premium, the user information including presence or absence of user participation in one or more elements of a driver program, the program elements including one or more of;
driving safety information, an accident scene management plan, a roadside assistance plan, a car research tool, a driver education course, a safety rewards program, or a GPS data gathering system;a computer based pricing tool configured to output an estimated insurance premium based on the user information; and a user accessible display of the estimated insurance premium output by the pricing tool. - View Dependent Claims (12, 13)
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14. A computer-implemented method of promoting the sale of vehicular insurance policies written on a selected segment of a population, said method comprising the steps of:
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providing a user interface via a network a driver program running on a computer system, the program providing for one or more drivers from a selected segment of a population (1) an interface to a monitoring system configured for collecting data associated with a vehicle to be driven by one of the one or more drivers; and
(2) one or more online resources for providing information relating to driving by the selected segment of the population; andin response to participation by one of the drivers in the program, providing an estimated premium discount to a customer for an insurance policy on the driver. - View Dependent Claims (15, 16)
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17. (canceled)
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22. A computer system for providing an insurance premium discount, comprising:
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an underwriting and rating module configured to; receive, from a monitoring system in communication with an insured customer'"'"'s vehicle, data indicating whether the vehicle has installed therein a monitoring device for sending information to the monitoring system; and apply a discount to the customer'"'"'s premium in response to confirmation of installation of the monitoring device without regard to content of information from said monitoring device. - View Dependent Claims (23, 24, 25, 26, 27)
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28. A computer program product, comprising a non-transitory computer readable storage medium having recorded thereon a computer executable program, wherein the program instructs a processor to:
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provide via a network to a computer device, a user interface to a monitoring system configured for collecting data associated with a vehicle; provide a website offering educational information relating to driving by a selected segment of the population to the computer device; receive access data from the computing device responsive to the educational information being accessed by a driver associated with the vehicle and belonging to the selected segment of the population; receive installation data from the computing device responsive to the monitoring system being accessed via the user interface; and in response to receiving the access data, without regard to content of data collected by the monitoring system, determine by the processor and send to the computing device an estimated premium discount for an insurance policy on the driver. - View Dependent Claims (18, 19, 20, 21)
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Specification