Patent ID: 8484046

Claim:
A network based insurance management system comprising: a networked computer system that provides an insurance policy interface having functionality for insurance policyholders to receive insurance policy information, receive insurance quotes, update an existing insurance policy, access claim information, and enable payment for a property-casualty insurance policy and a liability insurance policy and access coverage features of an existing insurance policy through a publicly accessible network; an information module embodied on the computer readable medium that identifies the insurance policyholder and verifies an insurance parameter of that insurance policyholder in real-time in response to data received from the insurance policyholder through the publicly accessible network and the insurance policy interface; and an insurance policy adjustment module embodied on the computer readable medium that adjusts an insurance policyholder's selected coverage feature within the existing insurance policy in real-time in response to second data received from the insurance policyholder through the publicly accessible network and the insurance policy interface independent of an insurance agent; and where the second data is associated with the insurance policyholder's selected coverage feature and the insurance policy adjustment module generates an insurance document customized to the insurance policyholder and sends the customized insurance document to the insurance policyholder in response to the second data received from the insurance policyholder through the publicly accessible network.