Patent ID: 8484052

Claim:
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; responsive to determining to provide the quote and in response to the request, provide an output signal having the quote with respect to the first risk, and wherein the processor is further configured to: furnish the verified and augmented received data to an underwriting engine; receive the quote from the underwriting engine; furnish the quote in response to the request; receive an indication of acceptance of the quote, and provide an output signal to a policy generation system; and responsive to determining to decline to provide the quote with respect to the first risk, provide an output signal which includes the received data and at least a portion of the augmented data via the communications interface to a third party server; and wherein the third party server being configured to, responsive to the data received from the processor, return quotes from a plurality of carriers to underwrite the first risk; and wherein the processor is further configured to: generate a return message prior to provide the received data to the third party server, wherein the return message includes the augmented data, the request of the quote, and an approval to pass the augmented received data to the third party server; 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.