Abstract: Systems and methods for collaborative task management are described. The apparatus may include a user interface module that provides a graphical user interface to a user, a form engine coupled to the user interface module to receive form data from a task data store, a scheduling engine that schedules task assignments, and the task data store that stores information related to one or more tasks. The method may include receiving from a user a request to update a task assignment, displaying to the user a task assignment form, receiving an indication to process the form, updating a task data store with information from the form. The method may alternately include receiving task information from a plurality of users, prioritizing task assignments using that information, generating one or more work queues, providing a work queue to a user, receiving an update to a task assignment, and re-generating the work queue.

Abstract: Automobile insurance rates are established by performing calculations for defining a single tier placement dependent upon a combination of mutually exclusive factors based on applicant data. The factors include a household driving record gradient, a stability gradient and an operator driving record gradient. In the case of a new policy, the factors also include a named insured driving experience gradient and a prior insurance gradient. Alternately, in the case of a renewal policy, the factors also include a household claims record gradient, a member relationship gradient and an operator claims record gradient. No single factor is the sole determinant for placement in a tier.