SYSTEMS AND METHODS FOR PROVIDING A SAFETY SCORE ASSOCIATED WITH A USER LOCATION

  • US 20110213628A1
  • Filed: 05/11/2011
  • Published: 09/01/2011
  • Est. Priority Date: 12/31/2009
  • Status: Abandoned Application
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First Claim
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1. An insurance system, comprising:

  • a data storage device for storing, updating and providing access to a plurality of loss risk factors associated with geographic locations;

    a computer processor for executing program instructions and for retrieving the plurality of loss risk factors from the data storage device;

    a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor;

    a communication device to receive a request for a safety score associated with data indicative of at least one user location;

    a scoring engine comprising program instructions stored in the memory for calculating a safety score based on the data indicative of the user location and the plurality of loss risk factors; and

    an insurance engine to modify at least on element of an insurance policy associated with the user in accordance with the safety score.

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