Patent Application

App. No. 11/173,169

Abstract

Claims (65)

1 . A system for detecting unreported exposures comprising:

(a) a load unit configured to accept state records;

(b) a risk determination unit operatively connected to the load unit, the risk determination unit comprising a comparison module and a rateability module, wherein the comparison module matches an address in the state records to a state policyholder address to find one or more unreported exposures, and wherein the rateability module prioritizes the unreported exposures based on a correspondence to a record of a policyholder; and

(c) a report unit operatively connected to the risk determination unit, the report unit configured to compile an output record of the one or more unreported exposures.

2 . The system of claim 1 wherein the one or more unreported exposures is a new driver.

3 . The system of claim 2 , wherein the rateability module determines the correspondence by comparing a surname of a policyholder to a surname of the new driver.

4 . The system of claim 1 , wherein the rateability module determines the correspondence by comparing an insurer policyholder address to the address in the state records.

5 . The system of claim 1 , wherein the report unit is capable of generating a summary report of the one or more unreported exposures.

6 . A system for detecting unreported drivers comprising:

(a) a load unit configured to accept state driver licensing data;

(b) a risk determination unit operatively connected to the load unit, the risk determination unit comprising a comparison module and a rateability module, wherein the comparison module matches an address in the state driver licensing data to a policyholder license address to find one or more unreported drivers, and wherein the rateability module prioritizes the one or more unreported drivers based on a correspondence to policyholder records; and

(c) a report unit operatively connected to the risk determination unit, the report unit configured to compile an output record including the one or more unreported drivers.

7 . The system of claim 6 wherein the system can operate on all policyholder records or a specific set of policyholder records.

8 . The system of claim 6 wherein the load unit is configured to accept state driver licensing data of multiple formats.

9 . The system of claim 6 wherein the load unit is configured to accept partial state driver licensing data.

10 . The system of claim 6 wherein the comparison unit excludes an unreported driver if the unreported driver matches an exclusion listed in the policyholder records related to the policyholder.

11 . The system of claim 6 wherein the rateability module determines the correspondence to the policyholder records by comparing a surname of an unreported driver to a surname of a policyholder.

12 . The system of claim 6 wherein the rateability module determines the correspondence to the policyholder records by comparing the license address in the state driver licensing data to an insurer policyholder address.

13 . The system of claim 6 wherein the rateability module excludes an unreported driver based on a lack of correspondence to the policyholder records.

14 . The system of claim 6 wherein the report unit stores the output record for a selectable number of months.

15 . The system of claim 6 wherein the report unit is capable of categorizing an unreported driver according to one or more age groups of unreported drivers.

16 . The system of claim 6 wherein the report unit is capable of categorizing an unreported driver according to the correspondence to policyholder records.

17 . The system of claim 6 wherein the report unit includes in the output record insurance agent information corresponding to each policyholder.

18 . The system of claim 6 wherein the report unit includes in the output record a driver status indicator.

19 . The system of claim 6 wherein the report unit is capable of compiling a summary report of the output record.

20 . The system of claim 19 wherein the report unit is capable of including in the summary report one or more statistical categories related to the correspondence to policyholder records.

21 . A method of reducing unreported driver exposures comprising:

receiving state driver licensing data;

comparing the state driver licensing data to insurer license data to detect one or more unreported drivers listed in the state driver licensing data;

prioritizing the one or more unreported drivers based on at least one rateability characteristic;

generating an output record containing a listing of the one or more unreported drivers.

22 . The method of claim 21 further comprising generating a summary report of the contents of the output record.

23 . The method of claim 22 wherein the summary report includes statistics regarding the one or more unreported drivers.

24 . The method of claim 21 wherein the output record comprises a data entry including information relating to a policyholder and the one or more unreported drivers.

25 . The method of claim 24 wherein the output record includes a surname of the policyholder.

26 . The method of claim 21 wherein the output record includes insurance agent information.

27 . The method of claim 21 wherein the state driver licensing data is an entire state license database.

28 . The method of claim 21 wherein the state driver licensing data is a new driver update to a state license database.

29 . The method of claim 21 wherein the state driver licensing data is a pointer to a state license database.

30 . The method of claim 21 wherein the rateability characteristic comprises a surname match between the one or more unreported drivers and a policyholder.

31 . The method of claim 21 wherein the rateability characteristic comprises an address match between a license address of the one or more unreported drivers and a policy address of a policyholder.

32 . The method of claim 21 wherein the generating step further comprises excluding the one or more unreported drivers based on an absence of one or more rateability characteristic.

33 . The method of claim 21 wherein the generating step categorizes the one or more unreported drivers based on the prioritizing step.

34 . The method of claim 21 wherein one or more steps are performed by a state agency.

35 . A computer-readable medium having computer executable instructions for reducing exposure to unreported drivers comprising:

receiving state driver licensing data;

comparing the state driver licensing data to insurer license data to detect at least one unreported driver listed in the state driver licensing data;

prioritizing the at least one unreported driver based on at least one rateability characteristic;

generating an output record containing a listing of the at least one unreported driver.

36 . The computer-readable medium of claim 35 further comprising generating a summary report of the contents of the output record.

37 . The computer-readable medium of claim 35 wherein the rateability characteristic comprises a surname match between the at least one unreported driver and a policyholder.

38 . The computer-readable medium of claim 35 wherein the rateability characteristic comprises an address match between a license address of the at least one unreported driver and a policy address of a policyholder.

39 . The computer-readable medium of claim 35 wherein the generating step categorizes one or more of the at least one unreported driver based on the prioritizing step.

40 . The computer-readable medium of claim 35 wherein the generating step excludes one or more of the unreported drivers based on the prioritizing step.

41 . A method of reducing exposure to unreported drivers comprising:

providing policyholder records;

selecting a state in which to detect unreported drivers at the same driver's license address as one or more policyholders;

selecting a rateability filter to increase accuracy of results;

receiving an output record containing state driver licensing data corresponding to the unreported drivers.

42 . The method of claim 41 wherein the rateabilility filter comprises a policy address match.

43 . The method of claim 41 wherein the rateabilility filter comprises a surname match.

44 . The method of claim 41 wherein the output report is categorized by age group of the unreported drivers.

45 . The method of claim 41 further comprising receiving a summary report.

46 . The method of claim 45 , wherein the summary report includes a count of the unreported drivers contained in the output report.

47 . The method of claim 41 wherein the receiving step comprises accessing networked content using a secured communication protocol.

Assignments (8)