Denise Stockand

Title: The Innovative Mind of Denise Stockand

Introduction

Denise Stockand is a notable inventor based in San Antonio, TX (US). She has made significant contributions to the field of automobile insurance through her innovative patent. Her work exemplifies the intersection of technology and insurance, showcasing her ability to address complex industry challenges.

Latest Patents

Denise holds a patent for a "System and method for establishing rates for an automobile insurance policy." This invention focuses on calculating automobile insurance rates by defining a single tier placement based on a combination of mutually exclusive factors derived from applicant data. The factors considered include a household driving record gradient, a stability gradient, and an operator driving record gradient. For new policies, additional factors such as a named insured driving experience gradient and a prior insurance gradient are included. In the case of renewal policies, factors like a household claims record gradient, a member relationship gradient, and an operator claims record gradient come into play. Importantly, no single factor serves as the sole determinant for tier placement.

Career Highlights

Denise is currently employed at the United Services Automobile Association (USAA), where she applies her expertise in insurance and technology. Her role allows her to contribute to the development of innovative solutions that enhance the customer experience in the insurance sector.

Collaborations

Denise has worked alongside talented colleagues such as Karen D. Meloni and Deborah Murphy. Their collaborative efforts have fostered a creative environment that encourages innovation and problem-solving.

Conclusion

Denise Stockand's contributions to the field of automobile insurance through her patent demonstrate her innovative spirit and commitment to improving industry practices. Her work not only benefits the insurance sector but also sets a precedent for future advancements in the field.