Abstract: Systems and methods for processing insurance claims using a claims card are provided. In accordance with some embodiments, a notice of loss is received. The notice of loss can contain information regarding the insured property, policy information, member information, witness names and contact information, witness statements, police report numbers, date of loss, time of loss, nature of the loss, and/or other information. A determination of liability coverage can then be made by accessing a membership database to retrieve the insurance policy. If the loss is determined to be covered by, or at least within the coverage of, the insurance policy, a claims card can be activated, delivered, or given to an insured accident victim under conditions where liability coverage, claims record, and the liability issues for the accident are sufficiently clear that to indicate that the insurance company will be paying for loss related items.

Abstract: Umbrella travel insurance that accounts for coverage provided to the user through other insurance policies. A request from the existing customer is received for a travel insurance policy. It is determined whether the customer has an existing insurance policy issued by an insurance company. The existing insurance policy issued by the insurance company held by the existing customer is analyzed. Coverage of the travel insurance policy using coverage of the existing insurance policy is modified to create a modified travel insurance policy. Overlap of the existing insurance policy and coverage of the modified travel insurance policy is at least reduced.