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:
May. 01, 2012
Filed:
Jun. 09, 2003
Robert Otis, San Antonio, TX (US);
Deborah Murphy, San Antonio, TX (US);
Michael A. Merwath, San Antonio, TX (US);
Thomas F. Damrow, San Antonio, TX (US);
Karen D. Meloni, San Antonio, TX (US);
Denise Stockland, San Antonio, TX (US);
Robert Otis, San Antonio, TX (US);
Deborah Murphy, San Antonio, TX (US);
Michael A. Merwath, San Antonio, TX (US);
Thomas F. Damrow, San Antonio, TX (US);
Karen D. Meloni, San Antonio, TX (US);
Denise Stockland, San Antonio, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
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.