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Insurance patent
Under some patent laws, patents may be obtained for insurance-related inventions. Historically, patents could only cover the technological aspects of a new insurance invention.〔(Chartrand, Sabra "Protecting Ideas in the Insurance Business" New York Times June 30, 2003 )〕 This is still the case in most countries. In the United States, however, recent court decisions have encouraged more inventors to file patent applications on methods of doing business. These patents may be used to get more comprehensive coverage of improvements in basic insurance processes, such as the methods of calculating premiums, reserves, underwriting, etc. This is causing controversy in the insurance industry as some see it as a positive development and others see it as a negative development.
==History==
An early example of an insurance patent is (Means for Securing Travelers Against Loss by Accident ). This patent was issued in 1892. It discloses a means for selling travelers' insurance by combining coupons with a newspaper.
A more recent example of an insurance patent is , granted as "Individual evaluation system for motorcar risk". This patent issued by the European Patent Office in 1996 to Salvador Minguijon Perez. It discloses a means for auto insurance risk selection whereby a driver’s mileage and driving behavior are monitored and insurance premiums are charged accordingly. The United Kingdom part of this European patent has been sold to Norwich Union insurance company.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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