Allstate Insurance Company

Arity International Limited

Ginger Purgatorio

Orlando E Mercado

Edward A Biemer

Gina M Minick

A safe driving currency system may obtain telematics data indicative of a driver's operation of a vehicle, determine whether a driver is engaged in safe operation of a vehicle, and award safe driving currency (e.g., driving points) for operating the vehicle in a safe manner. The driver may also enter safe driving tournaments to obtain safe driving currency. The driver may then use the safe driving currency to obtain user-selectable electronic and/or real-world benefits. For instance, the driver may use the safe driving currency to purchase an item in a video game or a physical good or service from a vendor (e.g., hotels, gas stations, coffee shops, online stores, etc.). As the driver traverses a route, the driver may be notified of vendors along the route at which the driver may spend the driver's safe driving currency.

Driving points

Systems and methods are provided for encouraging and rewarding safe driving. A safe driving evaluation system determines the safe driving behaviors necessary to earn safe driving points. The safe driving evaluation system receives vehicle telematics data from a telematics device configured to obtain vehicle telematics data during the operation of a vehicle, and determines safe driving points based on the safe driving behaviors exhibited by the vehicle telematics data. Safe driving rewards are provided where the total number of safe driving points earned by a driver exceeds predefined thresholds. The safe driving rewards may be redeemed for discounts on products or vehicle services, or for fixed prices on gas. In addition, the safe driving points may be transferred to another individual for redemption.

System and method for providing vehicle services based on driving behaviors

Aspects of the disclosure include computer-implemented methods and apparatus for providing an insurance claim satisfaction guarantee. The computer-implemented method or apparatus may include an insurance claim satisfaction guarantee server that receives a dissatisfaction notice based on a customer service guarantee received during an insurance claim and verifies that a loss payment was awarded on the insurance claim. Additionally, the insurance claim satisfaction guarantee server may determine that the dissatisfaction notice was received within a period of time of the insurance claim. Furthermore, the insurance claim satisfaction guarantee server may issue a guarantee payment in the amount equal to an insurance premium if the loss payment was awarded and the dissatisfaction notice was provided within the time period.

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Algonquin, IL, United States of America

Ginger Purgatorio