SYSTEMS AND METHODS FOR INSURANCE QUOTE GENERATION, MODIFICATION, APPLICATION, AND ACTIVATION

• US 20140032248A1
• Filed: 07/29/2013
• Published: 01/30/2014
• Est. Priority Date: 07/27/2012
• Status: Abandoned Application

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Holmes, Lori, Eckelbarger, Robert, Gossling, Rory, Gold, Alexandria, Shell, Jason, Duran, Francisco
• Application Number:
  US13/953,247
• Publication Number:
  US 20140032248A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system and method for generating, displaying, and modifying an insurance quote that includes a management module in communication with a client device. After the client preferably logs in to the management module, provides relevant information, a calculation engine generates an insurance quote estimate. The quote estimate is preferably displayed on the device even while the client reconfigures the insurance coverage options.

Claims

1. A computer implemented method for generating, providing, and modifying insurance quotes, the method comprising:

accessing a server via a client device, the client device having memory, a network device, a display, and a processor;

selecting coverage information for an insurance policy;

receiving a quote estimate for the insurance policy, the insurance policy at least partly based on the coverage information;

viewing the quote estimate; and

modifying the coverage information while simultaneously viewing the quote estimate.

2. The computer implemented method of claim 1, wherein the quote estimate is modified to be consistent with the modified coverage information.

3. The computer implemented method of claim 2, wherein the quote estimate is viewed in a foreground window in front of the coverage information.

4. The computer implemented method of claim 3 further comprising the step of:

applying for an insurance policy by contacting a service team, the insurance policy being at least partially based on the coverage information.

5. The computer implemented method of claim 4 wherein contacting service personnel comprises calling service personnel.

6. The computer implemented method of claim 4 further comprising the step of:

receiving a formal offer for insurance coverage, the offer being based on the coverage information.

7. The computer implemented method of claim 6 further comprising the step of:

accepting the insurance coverage by electronically signing the offer.

8. A insurance generation and modification system comprising:

a server with an interface module, a processor, and memory; and

a client device that communicates with the server, the client device having an interface module, memory, a processor, and a display, wherein the client device sends selected coverage information for an insurance policy to the server, and wherein the client device receives a quote estimate that is at least partly based on the coverage information, and wherein the client device displays the quote estimate when the coverage information is modified.

9. The system of claim 8, wherein the displayed quote estimate is modified to be consistent with the modified coverage information.

10. The system of claim 9, wherein the quote estimate is viewed, on the client device, in a foreground window in front of the coverage information.

11. The system of claim 10, wherein the client device communicates an application for an insurance policy that is at least partially based on the coverage information.

12. The system of claim 11, wherein an offer for insurance coverage is received by the client device, the offer being at least partially based on the coverage information.

13. The system of claim 12, wherein the client device communicates that the offer has been signed and accepted.

14. A non-transitory computer readable storage medium and a computer program embedded therein, the computer program comprising instructions, which when executed by a computer system cause the computer system to:

access a server via a client device, the client device and the server each having memory, a network device, and a processor, and the client device further having a display;

configure coverage information for an insurance policy;

receive a quote estimate for the insurance policy, the insurance policy at least partly based on the coverage information;

display the quote estimate; and

modify the coverage information while simultaneously displaying the quote estimate on the client device'"'"'s display.

15. The non-transitory computer readable storage medium of claim 14, wherein the quote estimate is modified to be consistent with the modified coverage information.

16. The non-transitory computer readable storage medium of claim 15, wherein the quote estimate is viewed, on the client device, in a foreground window in front of the coverage information.

17. The non-transitory computer readable storage medium of claim 16, further comprising instructions, which when executed by the computer system, further cause the computer system to:

apply for an insurance policy by contacting service personnel, the policy being at least partially based on the coverage information.

18. The non-transitory computer readable storage medium of claim 17, wherein contacting service personnel comprises initiating a phone call to service personnel.

19. The non-transitory computer readable storage medium of claim 18, further comprising instructions, which when executed by the computer system, further cause the computer system to:

send a formal offer for insurance coverage from the server, the offer being based on the coverage information.

20. The non-transitory computer readable storage medium of claim 19, further comprising instructions, which when executed by the computer system, further cause the computer system to:

accept the insurance coverage by electronically signing the offer.