Denise Stockland

Title: The Innovative Mind of Denise Stockland

Introduction

Denise Stockland 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 focuses on establishing rates for automobile insurance policies, which is crucial for both insurers and policyholders.

Latest Patents

Denise holds a patent titled "System and method for establishing rates for an automobile insurance policy." This patent outlines a method for calculating 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, ensuring a comprehensive evaluation process.

Career Highlights

Denise is associated with the United Services Automobile Association (USAA), where she applies her expertise in insurance and innovation. Her work has been instrumental in developing more accurate and fair insurance rates, benefiting both the company and its clients.

Collaborations

Denise has collaborated with talented individuals such as Thomas F. Damrow and Karen D. Meloni. Their combined efforts contribute to the advancement of insurance technology and methodologies.

Conclusion

Denise Stockland's innovative approach to automobile insurance rates exemplifies the impact of thoughtful invention in the industry. Her patent not only enhances the accuracy of insurance assessments but also reflects her commitment to improving the insurance landscape.