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Systems and methods for automatically updating data representative of insurance related information

  • US 9,760,951 B2
  • Filed: 01/10/2014
  • Issued: 09/12/2017
  • Est. Priority Date: 01/10/2014
  • Status: Active Grant
First Claim
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1. A computer-implemented method for an insured individual to automatically determine whether vehicle rental coverage is available via an insurance policy of the insured individual, the method comprising:

  • automatically receiving, by a processor of a computing device, current data in response to an action by the insured individual via a user input device, wherein the current data is representative of current insurance related information related to an existing valid insurance claim and an assigned vehicle rental performer;

    automatically generating, by a processor of a computing device, a current display, on a display device connected to the computing device, based on the current data, wherein the display presents current insurance related information to the insured individual including a vehicle rental branch and date of pick up;

    automatically receiving, by a processor of a computing device, change data from the insured individual via the user input device, where the change data is representative of desired change information associated with the current insurance related information, and wherein the desired change information pertains to the vehicle rental;

    automatically receiving, by a processor of a computing device, update rules data from an update rules data database stored on a memory of the computing device, wherein the update rules data is representative of rules related to updates to the current insurance related information that are permitted by the insured individual in accordance with the insurance policy, and wherein at least one rule is indicative of whether the vehicle rental is available in accordance with the insurance policy;

    automatically determining, by a processor of a computing device, whether at least one change to the current insurance related information is acceptable based on the change data and the update rules data, wherein the at least one change is related to the vehicle rental;

    if the at least one change is determined to be acceptable, the current insurance related information is changed based on the change data; and

    if the at least one change is determined to not be acceptable, the current insurance related information remains unchanged.

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