| 摘要 |
A method, non-transitory computer readable medium, and an insurance exchange device that obtains at least historical risk event data and telematic data for at least one motor vehicle driver in response to a received request for an insurance underwriting offer for the motor vehicle driver(s). The at least one motor vehicle driver can be an individual driver, in which case the request can be received from a consumer customer, or a plurality of motor vehicle drivers, in which case the request can be received from a commercial customer representing a fleet of vehicles and associated drivers, for example. A performance profile is generated for the motor vehicle driver(s) based on the historical risk event data and telematic data. The performance profile is provided to motor vehicle insurance providers. An insurance underwriting offer is received from at least one of the insurance providers and sent in response to the request. |
| 主权项 |
1. A method for facilitating a motor vehicle insurance exchange, the method comprising:
obtaining, with an insurance exchange device, at least historical risk event data and telematic data for a motor vehicle driver in response to a received request for an insurance underwriting offer for the motor vehicle driver, wherein at least a portion of the historical risk event data is obtained from a plurality of third parties other than the motor vehicle driver, the third parties comprising at least one government entity and at least one of a current or past insurance provider or broker for the motor vehicle driver or a leasing company associated with the motor vehicle driver; generating, with the insurance exchange device, a performance profile for the motor vehicle driver, wherein the performance profile comprises the historical risk event data and telematic data; requesting, with the insurance exchange device, an insurance underwriting offer for the motor vehicle driver from a plurality of motor vehicle insurance providers, the requesting comprising providing the performance profile comprising the historical risk event data and telematic data for the motor vehicle driver to the plurality of motor vehicle insurance providers; receiving, with the insurance exchange device, an insurance underwriting offer from at least one of the plurality of motor vehicle insurance providers; and sending, with the insurance exchange device, the insurance underwriting offer in response to the received request. |
