Patent ID: 8484052
Filing Date: 2013-07-09
Classification: G06Q

Abstract:
1. A computer system of receiving and evaluating requests to provide insurance quotes, the computer system comprising: a processor; a memory storage device in communication with the processor; the processor configured to: receive via a communications interface data including a request of a quote to underwrite a first risk with respect to a potential insured, wherein the first risk relating to vehicle coverage; access one or more data sources which comprises motor vehicle records (MVR) and vehicle identification (VID) databases via the communications interface, and verify and augment the received data relating to the first risk using MVR data and VID data in the data source; determine based on the verified and augmented received data whether: (a) to provide a quote or (b) to decline to provide a quote with respect to the first risk; receive one or more quotes from the third party server; and provide the received one or more quotes in response to the request of the quote.