United Services Automobile Association (Usaa)

Karen D Meloni

Deborah Murphy

Thomas F Damrow

Robert Otis

Michael A Merwarth

Denise Stockand

Michael A Merwath

Denise Stockland

Automobile insurance rates are established by performing calculations for defining a single tier placement dependent upon a combination of mutually exclusive factors based on applicant data. The factors include a household driving record gradient, a stability gradient and an operator driving record gradient. In the case of a new policy, the factors also include a named insured driving experience gradient and a prior insurance gradient. Alternately, in the case of a renewal policy, the factors also include a household claims record gradient, a member relationship gradient and an operator claims record gradient. No single factor is the sole determinant for placement in a tier.

System and method for establishing rates for an automobile insurance policy

Growing community of inventors

San Antonio, TX, United States of America

Karen D Meloni