Abstract: Vehicle insurance customers select parameters for monitoring using one or more telematics devices. The parameters may comprise an operating characteristic associated with at least one vehicle associated with a personal insurance product. Selection and measurement of parameters may result in lower insurance premiums. In one embodiment, an apparatus causes, based on a user selection of at least one of a plurality of menu-selectable options, a remotely programmable memory of at least one monitoring device to store an indication of the monitoring parameters represented by the user selection.

Abstract: Business insurance customers select parameters for monitoring in vehicle fleets using one or more telematics devices. The parameters may comprise an operating characteristic associated with fleet vehicles associated with a business insurance product. Selection and measurement of parameters may result in lower insurance premiums. In one embodiment, an apparatus causes, based on a user selection of at least one of a plurality of menu-selectable options, a remotely programmable memory of at least one monitoring device to store an indication of the monitoring parameters represented by the user selection.

Abstract: The present invention relates particularly to a method and system for integrating an interactive voice response (IVR) environment into an existing host processing system to provide automated telephone responses to callers to the host system. The integrated IVR environment is highly scaleable with hardware and software open to the host system for in-house modification and/or addition of components and applications to accommodate additional and/or modified host business logic, host applications, and other host requirements. The integrated IVR environment also alleviates the high cost often associated with the purchase, installation, and maintenance of the IVR functionality for a host processing system.

Abstract: A “busyness” metric is determined for various different objects, such as businesses, roads, vehicles, buildings, locations, transportation systems, communication systems, devices, equipment, and/or systems, using various sensing and/or other technologies. The busyness metric may be used for a broad range of applications, such as assessing and controlling insurance risk, determining insurance premiums, prioritizing tasks, travel, navigation, advertising, and other purposes.

Abstract: A worker compensation data mining computer system includes a data collection computer interface receiving worker's compensation data, optionally stored by a third party data provider or a state database, and a data mining computer processing unit analyzing the worker's compensation data to determine trends in the worker's compensation data. The data mining computer processing unit generates one or more of the following: a fraud communication, a model, a predictive variable, a marketing communication, a sales communication, a pricing communication, a prospecting communication, a ratings communication, a sales communication, and an underwriting communication. The system also optionally includes a modeling computer processing unit, that analyzes one or more of the worker's compensation data, underwriting models, sales models, pricing models, ratings models, marketing models, fraud models, and prospecting models, to determine whether to modify the at least one of the models.

Abstract: The present invention relates particularly to a method and system for integrating an interactive voice response (IVR) environment into an existing host processing system to provide automated telephone responses to callers to the host system. The integrated IVR environment is highly scaleable with hardware and software open to the host system for in-house modification and/or addition of components and applications to accommodate additional and/or modified host business logic, host applications, and other host requirements. The integrated IVR environment also alleviates the high cost often associated with the purchase, installation, and maintenance of the IVR functionality for a host processing system.

Abstract: Methods and systems for automated property insurance inspection include a remote inspection device having video inspection equipment capable of providing video images of property for use by an insurance company. The images may be used for expediting claim processing, inspecting damage in hazardous or hard to reach places, loss avoidance/risk control, fraud detection, detecting changes in risk profile, underwriting, rating, and quoting on new accounts and renewals, and prospecting new customers. The inspections may be performed on the exterior or interior of the property, and may be performed periodically, on-demand or continuously.