公开(公告)号：US09863392B1

公开(公告)日：2018-01-09

申请号：US15483394

申请日：2017-04-10

申请人： United Services Automobile Association (USAA)

发明人： Robert Lance Tucker ,  Bradly Jay Billman

IPC分类号： G06Q40/00 ,  F02N11/10 ,  B60R16/03 ,  F02D41/26 ,  G06Q40/08

CPC分类号： F02N11/101 ,  B60R16/03 ,  B60R25/04 ,  F02D41/26 ,  G06Q40/02 ,  G06Q40/08

摘要： A system for providing driving insurance for an individual driver may comprise at least one subsystem implemented on one or more computing systems configured for electronically calculating a risk of insuring a driver for liability arising from a vehicle accident regardless of any specific vehicle driven by the driver during the accident, at least one subsystem implemented on one or more computing systems configured for electronically and automatically calculating an insurance premium rate based on the previously calculated risk, and at least one subsystem implemented on one or more computing systems configured for electronically preparing an insurance policy according to the calculated premium rate wherein the insurance policy provides liability vehicle insurance covering the driver regardless of any specific vehicle driven by the driver during an accident.