The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 19, 2019
Filed:
Jul. 29, 2008
Steven P. Rippel, Newington, CT (US);
James T. Birchall, Southwick, MA (US);
John A. Hess, Iii, Guilford, CT (US);
Brad Robert Fresher, Farmington, CT (US);
Mark Philip Shipman, West Hartford, CT (US);
Steven P. Rippel, Newington, CT (US);
James T. Birchall, Southwick, MA (US);
John A. Hess, III, Guilford, CT (US);
Brad Robert Fresher, Farmington, CT (US);
Mark Philip Shipman, West Hartford, CT (US);
Hartford Fire Insurance Company, Hartford, CT (US);
Abstract
A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.