Systems and methods for providing driving insurance for an individual driver
First Claim
1. A system comprising:
- a processor; and
a memory coupled to the processor, the memory comprising instructions that when executed by the processor, cause the processor to execute operations comprising;
electronically generating an insurance policy for a vehicle;
transmitting, wirelessly, the insurance policy;
receiving, wirelessly, an executed insurance policy;
receiving an identifier of the vehicle;
accessing the executed insurance policy based on the identifier of the vehicle;
determining the vehicle is insured for operation or not insured for operation, based on the executed insurance policy and the identifier associated with the vehicle; and
if the vehicle is determined to be insured for operation, sending a signal configured to enable the vehicle to start.
1 Assignment
0 Petitions
Accused Products
Abstract
A system for providing driving insurance for an individual driver may comprise at least one subsystem implemented on one or more computing systems configured for electronically calculating a risk of insuring a driver for liability arising from a vehicle accident regardless of any specific vehicle driven by the driver during the accident, at least one subsystem implemented on one or more computing systems configured for electronically and automatically calculating an insurance premium rate based on the previously calculated risk, and at least one subsystem implemented on one or more computing systems configured for electronically preparing an insurance policy according to the calculated premium rate wherein the insurance policy provides liability vehicle insurance covering the driver regardless of any specific vehicle driven by the driver during an accident.
25 Citations
20 Claims
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1. A system comprising:
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a processor; and a memory coupled to the processor, the memory comprising instructions that when executed by the processor, cause the processor to execute operations comprising; electronically generating an insurance policy for a vehicle; transmitting, wirelessly, the insurance policy; receiving, wirelessly, an executed insurance policy; receiving an identifier of the vehicle; accessing the executed insurance policy based on the identifier of the vehicle; determining the vehicle is insured for operation or not insured for operation, based on the executed insurance policy and the identifier associated with the vehicle; and
if the vehicle is determined to be insured for operation, sending a signal configured to enable the vehicle to start. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method comprising:
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electronically generating, by a computing device, an insurance policy for a vehicle; transmitting, wirelessly, the insurance policy; receiving, wirelessly, an executed insurance policy; receiving an identifier of the vehicle; accessing the executed insurance policy based on the identifier of the vehicle; determining the vehicle be insured for operation or to be not insured for operation, based on the executed insurance policy and the identifier of the vehicle; and
if the vehicle is determined to be insured to for operation, sending a signal configured to enable the vehicle to start. - View Dependent Claims (17, 18)
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19. A non-transitory computer-readable medium comprising instructions that cause a processor executing the instructions to effectuate operations comprising:
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electronically generating an insurance policy for a user; transmitting, wirelessly, the insurance policy; receiving, wirelessly, an executed insurance policy; receiving an identification of the user; receiving an identification of a vehicle; accessing the executed insurance policy based on the identification of the user; determining the vehicle to be insured for operation or to be not insured for operation, based on the executed insurance policy and the identification of the user; and
if the vehicle is determined to be insured for operation, sending a signal configured to enable the vehicle to start. - View Dependent Claims (20)
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Specification