Claim satisfaction guarantee

• US 8,688,482 B1
• Filed: 10/07/2011
• Issued: 04/01/2014
• Est. Priority Date: 10/07/2011
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Purgatorio, Ginger, Biemer, Edward A.
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US13/269,081
• Time in Patent Office: 907 Days
• Field of Search: 705/4, 705/35
• 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

Abstract

Aspects of the disclosure include computer-implemented methods and apparatus for providing an insurance claim satisfaction guarantee. The computer-implemented method or apparatus may include an insurance claim satisfaction guarantee server that receives a dissatisfaction notice based on a customer service guarantee received during an insurance claim and verifies that a loss payment was awarded on the insurance claim. Additionally, the insurance claim satisfaction guarantee server may determine that the dissatisfaction notice was received within a period of time of the insurance claim. Furthermore, the insurance claim satisfaction guarantee server may issue a guarantee payment in the amount equal to an insurance premium if the loss payment was awarded and the dissatisfaction notice was provided within the time period.

Claims

1. A computer-implemented method comprising:

receiving an insurance dissatisfaction notice based on a customer service guarantee received during an insurance claim;

verifying, by a claim satisfaction guarantee computer server, that a loss payment was awarded on the insurance claim;

determining, by the claim satisfaction guarantee computer server, that the dissatisfaction notice was received within a period of time of the insurance claim; and

issuing, by the claim satisfaction guarantee computer server, a guarantee payment, wherein the guarantee payment is in the amount equal to an insurance premium if the loss payment was awarded and the dissatisfaction notice was provided within the time period.

2. The method of claim 1, wherein the customer service guarantee includes decisions based on a coverage level for the insurance claim.

3. The method of claim 1, wherein the customer service guarantee includes decisions based on a settlement amount for the insurance claim.

4. The method of claim 1, wherein the customer service guarantee includes decisions based on a fault determination of the accident for the insurance claim.

5. The method of claim 1, wherein the customer service guarantee includes customer service from third-party vendors related to the insurance claim.

6. The method of claim 5, wherein the third-party vendors includes at least one from the group consisting of:

rental car companies, automobile repair shops, automobile glass shops, automobile towing companies, and automobile painting companies.

7. The method of claim 1, wherein the insurance claim includes a catastrophic accident.

8. The method of claim 1, wherein the issuing of a payment in the amount equal to an insurance premium exceeds an amount a customer has paid for an insurance policy.

9. The method of claim 1, wherein the time period comprises a time period equal to 180 days after the accident.

10. The method of claim 1, wherein the time period comprises a time period equal to 90 days after the guarantee payment has been completed for a claim settlement.

11. An apparatus comprising:

a memory;

a display; and

a processor coupled to the memory and programmed with computer-executable instructions for performing steps comprising;

(a) receiving a dissatisfaction notice based on a customer service guarantee received during an insurance claim;

(b) verifying that a loss payment was awarded on the insurance claim;

(c) determining that the dissatisfaction notice was received within a period of time of the insurance claim; and

(d) issuing a payment in the amount equal to an insurance premium if the loss payment was awarded and the dissatisfaction notice was provided within the time period.

12. The apparatus of claim 11, wherein the customer service guarantee includes decisions based on a coverage level for the insurance claim.

13. The apparatus of claim 11, wherein the customer service guarantee includes decisions based on a settlement amount for the insurance claim.

14. The apparatus of claim 11, wherein the customer service guarantee includes decisions based on a fault determination of the accident for the insurance claim.

15. The apparatus of claim 11, wherein the customer service guarantee includes customer service from third-party vendors related to the insurance claim.

16. The apparatus of claim 15, wherein the third-party vendors includes at least one from the group consisting of:

rental car companies, automobile repair shops, automobile glass shops, automobile towing companies, and automobile painting companies.

17. The apparatus of claim 11, wherein the insurance claim includes a catastrophic accident.

18. The apparatus of claim 11, wherein the issuing of a check in the amount equal to an insurance premium could exceed an amount a customer has paid for an insurance policy.

19. The apparatus of claim 11, wherein the time period is equal to 90 days after a payment has been completed for a claim settlement.

20. A computer-implemented method comprising:

receiving an insurance dissatisfaction notice based on a level of customer service received during an insurance claim;

verifying, by a claim satisfaction guarantee server, that a loss payment was awarded on the insurance claim;

determining, by a claim satisfaction guarantee server, that the dissatisfaction notice was received within a period of time of the insurance claim; and

crediting, by a claim satisfaction guarantee server, a customer'"'"'s account in the amount equal to an insurance premium if the loss payment was awarded and the dissatisfaction notice was provided within the time period.