SYSTEMS AND METHODS FOR INSURANCE PRODUCT PRICING AND SAFETY PROGRAM MANAGEMENT
First Claim
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1. A method, comprising:
- receiving, by a specially-programmed computerized processing device, information descriptive of a vehicle safety program, of a commercial business, for a fleet of vehicles;
determining, by the specially-programmed computerized processing device and based on the information, a risk rating of the vehicle safety program; and
determining, by the specially-programmed computerized processing device and based on the risk rating of the vehicle safety program, a premium for an insurance product covering at least one of the fleet of vehicles and the commercial business.
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Abstract
Systems, apparatus, interfaces, methods, and articles of manufacture that provide for insurance product pricing and safety program management such as, for example, utilizing vehicle telematics to determine product premiums, surcharges, and/or discounts and providing safety program management advice regarding how product pricing may be changed.
86 Citations
20 Claims
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1. A method, comprising:
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receiving, by a specially-programmed computerized processing device, information descriptive of a vehicle safety program, of a commercial business, for a fleet of vehicles; determining, by the specially-programmed computerized processing device and based on the information, a risk rating of the vehicle safety program; and determining, by the specially-programmed computerized processing device and based on the risk rating of the vehicle safety program, a premium for an insurance product covering at least one of the fleet of vehicles and the commercial business. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. An apparatus, comprising:
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a computerized processing device; and a memory device in communication with the computerized processing device and storing specially-programmed instructions that when executed by the computerized processing device result in; receiving information descriptive of a vehicle safety program, of a commercial business, for a fleet of vehicles; determining, based on the information, a risk rating of the vehicle safety program; and determining, based on the risk rating of the vehicle safety program, a premium for an insurance product covering at least one of the fleet of vehicles and the commercial business. - View Dependent Claims (16, 17)
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18. A non-transitory computer-readable medium storing specially-programmed instructions that when executed by an electric processing device, result in:
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receiving information descriptive of a vehicle safety program, of a commercial business, for a fleet of vehicles; determining, based on the information, a risk rating of the vehicle safety program; and determining, based on the risk rating of the vehicle safety program, a premium for an insurance product covering at least one of the fleet of vehicles and the commercial business. - View Dependent Claims (19, 20)
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Specification