Deductible shield

• US 20110264472A1
• Filed: 04/26/2010
• Published: 10/27/2011
• Est. Priority Date: 04/26/2010
• Status: Abandoned Application

• Current Assignee: Felix Mostelac
• Original Assignee: Felix Mostelac
• Inventors: Mostelac, Felix
• Application Number:
  US12/799,443
• Publication Number:
  US 20110264472A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/18 Legal services

Abstract

The Deductible Shield auto insurance deductible discount certificate program policy will cover a customers automobile deductible fee issued by their insurance provider for a year in case of an accident, no matter how many incidents said customer would have within the pre-paid yearly timeframe. If a customer has an automobile incident during the yearly term of agreement with The Deductible Shield, the customer will be given a list of participating licensed auto body repair shops in their area where they can go and have their vehicle repaired according to the terms provided by their original automobile insurance provider. After the original automobile insurance provider agrees to make the necessary repairs, The Deductible Shield customer will then provide the automobile body repair shop their proof of their The Deductible Shield account number and therefore the participating automobile body repair shop will waive the original automobile insurance providers automobile deductible fee.

Claims

1. A deductible shield for a business method for providing auto insurers deductible coverage, comprising:

means for confirming that an automobile insurance customer has the necessary legal requirements of a valid, driver'"'"'s license, a valid proof of original automobile insurance and a valid vehicle registration in order for the automobile insurance customer to be able qualify to purchase the deductible shield automobile deductible certificate program;

means for providing the automobile insurance customer a prerequisite number of steps that must be followed following any incident before being able to use the deductible shield automobile deductible certificate program. these steps require the customer to contact the original insurance provider which will appraise and approve the repair costs of the customers vehicle. after the original insurance provider establishes the cost of the customers automobile deductible fee then the deductible shield automobile deductible certificate program can be used, vertically connected to said means for confirming that an automobile insurance customer has the necessary legal requirements of a valid, driver'"'"'s license, a valid proof of original automobile insurance and a valid vehicle registration in order for the automobile insurance customer to be able qualify to purchase the deductible shield automobile deductible certificate program;

means for providing the deductible shield automobile deductible certificate program customer a list of participating licensed auto body repair shops in order fully repair the customers vehicle and allow the deductible shield automobile deductible certificate program to absorb the cost of the customers original automobile insurance'"'"'s deductible fee, vertically connected to said means for providing the automobile insurance customer a prerequisite number of steps that must be followed following any incident before being able to use the deductible shield automobile deductible certificate program. these steps require the customer to contact the original insurance provider which will appraise and approve the repair costs of the customers vehicle. after the original insurance provider establishes the cost of the customers automobile deductible fee then the deductible shield automobile deductible certificate program can be used; and

means for providing the deductible shield automobile deductible certificate program customer the guarantee that the deductible shield will verify that the vehicle has been fully repaired by a participating licensed auto body repair shop that honors the deductible shield automobile deductible certificate program. once the repairs have been fully verified then the repaired vehicle will be released to the customer, vertically connected to said means for providing the deductible shield automobile deductible certificate program customer a list of participating licensed auto body repair shops in order fully repair the customers vehicle and allow the deductible shield automobile deductible certificate program to absorb the cost of the customers original automobile insurance'"'"'s deductible fee.

2. The deductible shield in accordance with claim 1, wherein said means for confirming that an automobile insurance customer has the necessary legal requirements of a valid, driver'"'"'s license, a valid proof of original automobile insurance and a valid vehicle registration in order for the automobile insurance customer to be able qualify to purchase the deductible shield automobile deductible certificate program comprises an insurance requirements insurance requirements.

3. The deductible shield in accordance with claim 1, wherein said means for providing the automobile insurance customer a prerequisite number of steps that must be followed following any incident before being able to use the deductible shield automobile deductible certificate program. these steps require the customer to contact the original insurance provider which will appraise and approve the repair costs of the customers vehicle. after the original insurance provider establishes the cost of the customers automobile deductible fee then the deductible shield automobile deductible certificate program can be used comprises a traffic incident traffic incident.

4. The deductible shield in accordance with claim 1, wherein said means for providing the deductible shield automobile deductible certificate program customer a list of participating licensed auto body repair shops in order fully repair the customers vehicle and allow the deductible shield automobile deductible certificate program to absorb the cost of the customers original automobile insurance'"'"'s deductible fee comprises the deductible shield coverage the deductible shield coverage.

5. The deductible shield in accordance with claim 1, wherein said means for providing the deductible shield automobile deductible certificate program customer the guarantee that the deductible shield will verify that the vehicle has been fully repaired by a participating licensed auto body repair shop that honors the deductible shield automobile deductible certificate program. once the repairs have been fully verified then the repaired vehicle will be released to the customer comprises an automobile repair automobile repair.

6. A deductible shield for a business method for providing auto insurers deductible coverage, comprising:

an insurance requirements insurance requirements, for confirming that an automobile insurance customer has the necessary legal requirements of a valid, driver'"'"'s license, a valid proof of original automobile insurance and a valid vehicle registration in order for the automobile insurance customer to be able qualify to purchase the deductible shield automobile deductible certificate program;

a traffic incident traffic incident, for providing the automobile insurance customer a prerequisite number of steps that must be followed following any incident before being able to use the deductible shield automobile deductible certificate program. these steps require the customer to contact the original insurance provider which will appraise and approve the repair costs of the customers vehicle. after the original insurance provider establishes the cost of the customers automobile deductible fee then the deductible shield automobile deductible certificate program can be used, vertically connected to said Insurance Requirements;

the deductible shield coverage the deductible shield coverage, for providing the deductible shield automobile deductible certificate program customer a list of participating licensed auto body repair shops in order fully repair the customers vehicle and allow the deductible shield automobile deductible certificate program to absorb the cost of the customers original automobile insurance'"'"'s deductible fee, vertically connected to said Traffic Incident; and

an automobile repair automobile repair, for providing the deductible shield automobile deductible certificate program customer the guarantee that the deductible shield will verify that the vehicle has been fully repaired by a participating licensed auto body repair shop that honors the deductible shield automobile deductible certificate program. once the repairs have been fully verified then the repaired vehicle will be released to the customer, vertically connected to said The Deductible Shield Coverage.

7. A deductible shield for a business method for providing auto insurers deductible coverage, comprising:

an insurance requirements insurance requirements, for confirming that an automobile insurance customer has the necessary legal requirements of a valid, driver'"'"'s license, a valid proof of original automobile insurance and a valid vehicle registration in order for the automobile insurance customer to be able qualify to purchase the deductible shield automobile deductible certificate program;

a traffic incident traffic incident, for providing the automobile insurance customer a prerequisite number of steps that must be followed following any incident before being able to use the deductible shield automobile deductible certificate program. these steps require the customer to contact the original insurance provider which will appraise and approve the repair costs of the customers vehicle. after the original insurance provider establishes the cost of the customers automobile deductible fee then the deductible shield automobile deductible certificate program can be used, vertically connected to said Insurance Requirements;

the deductible shield coverage the deductible shield coverage, for providing the deductible shield automobile deductible certificate program customer a list of participating licensed auto body repair shops in order fully repair the customers vehicle and allow the deductible shield automobile deductible certificate program to absorb the cost of the customers original automobile insurance'"'"'s deductible fee, vertically connected to said Traffic Incident; and

an automobile repair automobile repair, for providing the deductible shield automobile deductible certificate program customer the guarantee that the deductible shield will verify that the vehicle has been fully repaired by a participating licensed auto body repair shop that honors the deductible shield automobile deductible certificate program. once the repairs have been fully verified then the repaired vehicle will be released to the customer, vertically connected to said The Deductible Shield Coverage.