FIG. 4
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`Page 000051
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`

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`EP1 176 054 A2
`
`FIG. 5
`
`10
`
`Page 000052
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`

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`? show files
`
`16:Ga1e
`l990~2011/Dec 13
`Group PROMT(R)
`(C)
`2011 Gale/Cengage
`l48:Ga1e Group Trade 5 Industry DB 1976-2011/Dec 14
`(at)
`2011 Gale/Cengage
`1972-1989
`160:Gale Group PROMT(R)
`(C)
`1999 The Gale Group
`275:Ga1e Group Computer DB(TM)
`(C)
`2011 Gale/Cengage
`621:Gale Group New Prod.Annou.(R)
`(C)
`2011 Gale/Cengage
`
`1985-2011/Dec 16
`
`1983-2011/Dec 16
`
`Page 000053
`
`Description
`RECORD?
`? OR RECORDING OR TRACKING OR TRACK? ? OR MONITOR?
`BEHAVIO? OR HABETS OR PATTERN? OR DRIVING(}{TECHNIQUE? OR -
`SKILL? OR STYLE?)
`VECHICLE? OR CAR OR CARS OR AUTOMOBLE? OR SUV OR TRUCK OR "
`TRUCKS
`SPEED OR SPEEDING OR fiOW(]FRST
`BRAKING OR BRAKE?
`INSURANCE(3N}{RATE OR RATES OR PREMIUMS)
`DATA OR INFORMATION OR METRICS
`DRIVER OR DRIVING OR DRIVERS
`S1(l5N)S8
`S1(15N)S2
`S1(15N)S3
`S1l{l0N)S8
`Sl2(l5N}iS2 OR S4 OR S5)
`S13 AND S6
`RD
`(unique item$)
`S15/1996:2011
`315 NOT S16
`S9(15N)S4
`S18(l5N)S5
`SE9 AND INSURANCE
`S20/1996:2011
`S20 NOT S21
`RD
`(unique items)
`S23 NOT S17
`
`Items
`7097022
`1521930
`
`1989568
`
`2182385
`152204
`110160
`22000865
`1775778
`79901
`86776
`86258
`9196
`975
`47
`23
`16
`7
`3090
`238
`49
`47
`
`222
`
`File
`
`File
`
`File
`
`File.
`
`File
`
`?ds
`
`Set
`81
`S2
`
`S3
`
`S4
`S5
`S6
`S7
`S8
`59
`S10
`S11
`S12
`S13
`S14
`S15
`S16
`S17
`S18
`S19
`S20
`S21
`S22
`S23
`S24
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`

`
`17/3,K/1 (Item 1 from file: 148)
`DIALOG(R)File 148: Gale Group Trade & Industry DB
`(C) 2011 Gate/Cengage. Ail rights reserved.
`
`Supplier Number: 15664977 (USE FORMAT 7 OR 9 FOR FULL TEXT )
`07498383
`Iflinois group cites Kemper for redlining. (Kemper Corp.)
`
`Mulcahy, Colleen
`Nationai Underwriter Property 8: Casuaity—Risl< 8: Benefits Management , n31 , p3(2}
`August 1 , 1994
`ISSN: 10426841
`Language: ENGLISH
`Record Type: FULLTEXT; ABSTRACT
`Word Count: 651
`Line Count: 00052
`
`Abstract: The Iilinois Public Action Councii has accused Kemper Corp of discrimination in automobile
`insurance rates . The company is charged with placing higher rates on various neighborhoods in
`Chicago over nearby
`Abstract:
`...the Chicago—based organization which conducted the study.
`“Rates should be based on relevant risks~— driving
`patterns ,
`safety record , personal claims history,
`car model——not on your skin
`color, your accent or your zip code," Mr. McNary said...
`
`17‘/3,K/2 (Item 2 from file: 148)
`DIALOG(R)FiEe 3.48: Gale Group Tracie & Industry [)8
`(c) 2011 Gale/Cengage. All rights reserved.
`
`Supplier Number: 14793449 (USE FORMAT 7 OR 9 FOR ?UL.L TEXT )
`06774656
`Foreciosing on fraud. (fraud prevention) (Investigation Techniques)
`
`Hutchison, Ty
`Security Management, V37 , n11 , p3l(4)
`Nov , 1993
`ISSN: 0145-9406
`Language: ENGLISH
`Record Type: FULLTEXT; ABSTRACT
`Word Count: 2223
`Line Count: 05175
`
`Text:
`...health care costs. Some of this tab, which is picked up by businesses
`through higher
`insurance
`premiums , comes from fraudulent workers’
`compensation claims and staged accidents involving commercial vehicles.
`Factor in the...
`
`...a tidy profit.
`Besides defrauding insurance companies-and businesses that must pay
`sky—high vehicle
`insurance
`premiums ,
`the scheme can turn deadly. Last
`year,
`the capper of a Southern California staged accident...
`
`...potential swoop—and—squat accident. If an automobile crammed with
`passengers is slowing down and
`speeding up in an attempt to cut
`in front
`of the
`track ,
`the
`truck
`driver
`should immediately pull over to the
`side of the road and stop or turn off...
`
`...enougn of these clinics are forced to shut down, fraudulent claims will
`
`Page 000054
`
`

`
`1'7/3,K/3 (item 3 from file: 148)
`DEALOG(R}F-‘He 148: Gaie Group Trade & Industry £38
`(c) 2011 Gale/Cengage. AH rights reserved.
`
`Supplier Number: 09042178 (USE FORMAT 7 OR 9 FOR FULL TEXT }
`04920449
`Fleet operations. (speciai advertising section)
`
`Hubbard, J. Paui
`Financial World , V159 , n22 , 944(8)
`Oct 30 , 1990
`ISSN: 0015-2064
`Language: ENGLISH
`Record Type: FULLTEXT
`Word Count: 5861
`Line Count: 00469
`...year costs the U.S. $100 billion, not only because of repair costs, but
`increased insurance
`premiums ,
`loss of employee productivity,
`lawsuits
`and vehicle—replacement costs. of these accidents,
`the Automobile
`Association...
`
`ability to accidents. First, is a procedure
`rivin§w**records prior to issning them a
`‘checks employees
`Since most careless drivers have developed a history of
`habits . a simple query into an employee's history may
`reveal some relevant information. According to...one that has. After
`implementing such safety programs, companies have enjoyed, among other
`things,
`reduced
`insurance
`rates , unnecessary vehicle wear and less
`administration hours devoted to repairs.
`Intelligent Vehicles
`IN THE EARLY...
`
`
`
`17/3,K/4 (Item 4 from file: 148)
`DIALOG(R)FiEe 148: Gale Group Trade 8: Industry DB
`(c) 2011 Gaie/Cengage. All rights reserved.
`
`Supplier Number: 08123243 (USE FORMAT 7 OR 9 FOR FULL TEXT )
`04146329
`Auto safety‘s new horizons; now that ‘safety se|¥s,' there is renewed optimism that key
`objectives will finally reach production lines.
`
`Anderson, Kim
`Insurance Review , v50 , n11 , p30(4}
`Nov , 1989
`ISSN: 0749-8667
`Language: ENGLISH
`Record Type: FULLTEXT
`Word Count: 2339
`Line count: 00182
`...not only save their lives, but could also take a hefty chunk out of
`their
`insurance
`premiums .
`SEX MILLION AIR BAGS
`
`A prime objective of safety advocates in recent years has been...
`specially—equipped Grand Prix and Cutlass Supremes. The display, which
`evolved from fighter aircraft, "floats"
`speed , gas and other driver
`information above the hood of the
`car . The display is actually projected
`from the windshield, but it allows drivers
`to monitor
`the information
`without
`taking their eyes off the road.
`Better safety standards and features cost.
`edii
`eitH=3‘s%Lf.étY'
`.o =1‘¢ft=e'n--i;6'fr-se
`
`Page 000055
`
`

`
`companies typically give premium discounts of 20 percent or 30
`Insurance
`percent on medical or PI?...
`
`17/3,K/S (Item 5 from fiiez 148)
`DIA1.0G(R)File 148: Gale Group Trade & Industry DB
`(<2) 2013. Gare/Cengage. All rights reserved.
`
`Supptier Number: 06751879 (USE FORMAT 7 OR 9 ¥0R FULL TEXT)
`03523168
`Wrong turns in auto insurance. (compiete revision of auto insurance practices is needed for i
`industry to become profitable)
`'
`
`MacKenzie, Warren L.
`Best's Review - Property~Casual1:y Insurance Edition , V89 , n2 , 1326(4)
`June , 1988
`'
`ESSN: 01614745
`Language: ENGLISH
`Record Type: FULLTEXT
`Word Count: 2648 Line Count: 00213
`...driver dependence on insurance is beginning to erode in the large
`metropolitan areas, where auto
`insurance
`rates
`are so high that
`thousands of drivers no longer can afford auto insurance and now...
`
`...come from those drivers who do carry insurance. Loss of any large amount
`of auto
`insurance
`premiums will disturb a company's rate level, causing
`an increase in rates for the insured...
`...a loss.
`Failure to consider the traffic hazard thus causes an imbalance in
`the auto insurance
`rate
`structure. When insurers fail to charge for
`road hazards in the auto rate structure,
`they...
`
`...rlsk. The crowded highways (with their poor auto accident experience)
`have probably distorted the auto
`insurance
`rates
`of all state
`territories, causing the territories in which these highways are located to
`be...
`
`_
`...s loss experience was on the car models that it was insuring.
`Today's auto
`insurance
`rate
`plans give no consideration to los
`experience from cars involved in thirdwparty accidents for...
`
`...oonslderation of any injuries to the driver or passengers in them. All
`of the auto
`insurance
`coverage
`rates
`{whether first or third party}
`should be adjusted accordingly for the car model‘s experience...
`
`...a good program until one studies these rate surcharges.
`For example, let's consider the driving
`record . Naturally, every
`insurance company wants to insure only car
`owners who have good driving
`records . However,
`the number of drivers who possess clean driving
`records
`is diminishing because of the congested highways. Many ,drivers
`are actually afraid to drive at the posted speed limits for fear of being
`involved in an accident. As a result,
`these drivers will...
`
`...of speeding tickets, car owners will not be eligible for any company's
`best auto
`insurance
`rate . And for those drivers with serious moving
`violations.on their records,
`there is only
`...networks have made all state
`auto insurance rating territories and mileage rating classifications
`obsolete. Auto
`insurance
`rates will not stabilize until each governing
`locality is charged with its own automobile accidents.
`Another...
`
`...the under—age—25 drivers as possible. Companies usually do this by
`
`Page 000056
`
`

`
`premiums of these drivers, and by making
`insurance
`increasing the auto
`them virtually unacceptable for auto insurance until they reach...
`
`...younger drivers can cause great harm to any insurance company because it
`means that auto
`insurance
`rates will usually have to be increased for
`drivers age 25 and over. A company's competitiveness is then diminished in
`the auto insurance market when its
`rates
`go up.
`CUSTOMERS OF TOMORROW
`Insurance companies should remember that the young people are the...
`
`...in which many insurance companies are competing to attract eligible
`drivers is that of preferred: rate auto
`insurance
`programs. Generally,
`the age limits for these preferred auto insurance programs fall into the 30
`
`...have a lesser likelihood of having an auto accident. However, even some
`of these lower— rate
`auto
`insurance
`programs are becoming unprofitable.
`The main reason is that the programs do not have loss prevention features
`and therefore the rates keep going up.
`'
`programs are not
`insurance
`auto
`Another reason why the lower— rate
`always profitable is that there is not enough premium volume out there...
`
`...a slow destruction of the agency system. If this process continues, most
`of the auto
`insurance
`premiums will be handled in the future by a small
`group of very large agency companies...
`
`...programs are completely revised and auto insurance becomes profitable
`again.
`
`did improve some of the
`rates
`in the past, raising auto insurance
`in the last few years,
`insurance companies‘ results temporarily. However,
`the more that the auto
`insurance
`rates
`increased,
`the higher rose the
`number of auto accident claims. Changing to a new statistical auto
`insurance rating system.wil1 stabilize auto insurance
`premiums
`Profitable auto insurance
`companies in the future will be better able to
`
`withstand any recession in the economy...computer-to'figure "fit an auto
`insurafiée premium. A car owner would be able to rate his own
`insurance
`policy. New territory divisions would be based on the governing localities,
`with territory rate Charges...
`
`..insurance rating factors of age and sex would be replaced by injury and
`damageability auto insurance
`premium rate
`factors.
`In the simplest of
`terms,
`there would be one
`rate
`£or each auto
`insurance
`coverage. Each
`auto
`insurance
`coverage
`rate would be modified by a governing locality
`percentage rating factor, a car construction safety percentage...
`
`E7/3,E</6 (item 6 from file: 148)
`DIA§_OG(R)Fi|e 148: Gaée Group Trade & Industry DB
`(C) 2011 Gale/Cengage. AH rights reserved.
`
`Supplier Number: 04398075 (USE FORMA? 7 OR 9 FOR FULL TEXT )
`02970700
`Underwriting update: know your truckers. (underwriting, losses & toss contra!)
`
`Rodda, wmiam H.
`Best's Review — Propertwcasualty Insurance Edition , V87 , p63(2)
`Aug , 1986
`ISSN: 0161-7745
`Language: ENGLISH
`Record Type: FULLTEXT
`Word Count: 779
`Line Count: 00062
`...or listing (perhaps computerized) should be feasible. It also would be
`
`Page 000057
`
`

`
`for example, passed
`record of the driver who,
`useful to have the
`another
`car at high speed
`and smashed head—on into a loaded school bus.
`A regional underwriter or trucker might...
`
`...The high number of aatomobile thefts in the southeastern part of
`Pennsyivania has caused auto
`insurance
`theft
`premiums
`to climb
`steadily,‘ and added, "All of us must get involved to help stem auto...
`
`17/3,K/7 (Item 7 from file: 148)
`DIALOG(R)FiEe 148: Gale Group Trade & industry DB
`(5) 2011 Gate/Cengage. Ail rights reserved.
`
`Supplier Number: 03334481 (USE FORMAT 7 OR 9 FOR FULL TEXT )
`02162509
`Reinsurers toughen their stance.
`
`Findlay, Gordon S.
`Best's Review - Pr'o;3erty»Casua§ty insurance Edition , V85 , p74(1)
`July , 1984
`ISSN:D161—7745
`Language: ENGLISH
`Record Type: FULLTEXT
`V
`Word Count: 1600 Line Count: 00127
`...broad$cale movement
`toward higher premiums. A number of senior industry
`spokesmen have suggested that automobile
`insurance
`premiums
`probably
`will
`increase by up to 7% later this year.
`ICBC Unit To Be Sold...
`
`..will not be disadvantaged by the sale and will have the same access to
`general
`insurance
`at comparable
`rates ."
`ICBC's geherai
`insurance division presently writes about 7% of the
`total general insurance sold in British Columbia. In...Usually the driver
`is carrying passengers, does not have a seat belt on, and is
`speeding .
`80% of the cases studied,
`the vehicle driven by the driver was a
`car ,
`and 25% of the drivers
`had a previous
`record of drinking and driving .
`The following statistics emerged regarding when the orunken driver is
`likely to be encountered:
`* Between...
`
`In
`
`?t17/7/3
`
`17'/"7/3 (Item 3 from file: 148}
`DIALOG(R)Fi|e 148: Gale Group Trade & Industry DB
`(C) 2011 Gale/Cengage. Ail rights reserved.
`
`Supplier Number: 09042178 (THIS IS "THE FULL TEXT )
`04920449
`Fieet operations. (special afivertising section)
`
`Hubbard, J. Paul
`Financial Worict , V159 , n22 , p44(8}
`Oct 30 , 1990
`
`Text:
`THERE ARE MANY CHALLENGES FACING TODAY'S FLEET manager: staying alive in
`the ever—shrinking corporate environment; alternate (or clean—hurning)
`
`Page 000058
`
`

`
`Records show that, when properly managed, maintenance charges can be
`reduced by 5% to 20%. Using preapproved repair guidelines and
`company—approved repair centers will save your company time and money.
`Third, while it is impossible to control the cost of gas, especially
`given the current volatility in the Gulf,
`fuel purchases can be managed and
`made more efficient.
`The use of the fuel card is quickly becoming an invaluable source of
`accurate and detailed management
`information. Purchases can be controlled
`more closely thereby eliminating additional purchases_of, say, cigarettes,
`sandwi h
`and in some cases, even lawn furniture. Fleet operators_can
`
`rogues
`h_,
`formation t 9be‘ "hlighted.suc "as purchases.made
`during
`,-weekend;1or-restrict car -usage to a single driver or plate
`number; The obvious advantages include valuable information on car mileage
`performance,
`time of purchase and streamlined billing that eliminates
`padded expenses and gives fleet managers a more accurate read on operating
`costs.
`
`Another cost~cutting option might be to restrict users to
`self—servicing stations where savings in New York and Los Angeles average
`19.5 {cents} and 3l.3 {cents} per gallon, respectively.
`Finally,
`if you run a large enough fleet, use your petrol purchasing
`influence to arrange an exclusive credit—card deal with a convenient fuel
`company. A fleet may provide all of its fleet drivers with a credit card
`guaranteeing the fuel company all of its business. For this privilege,
`the
`fleet operator might arrange discounted purchases for the company. Almost
`15% of fleets in the U.K. and 8% in West Germany and France have
`arrangements with specific fuel stations.
`Buying and maintaining fleets in a costmeffective manner is a complex
`business, even for the most savvy fleet professional. The keys to reducing
`expenditures are to establish effective fleet planning,
`to conduct ongoing
`analyses of costs and to maximize fleet vehicle purchasing influence. A
`full—time commitment, bringing down unit cost through effective fleet
`management will bring profitable returns.
`Going Global
`I
`IN 1981, THE U.S. AND JAPAN AGREED TO a voluntary restraining order
`limiting Japanese imports to 2.3 million units. And until recently,
`American fleet administrators have been doing their part to restrict the
`use of imports in their fleets with 70% still subscribing to an unofficial
`"Buy American" policy.
`Proving more difficult to penetrate than the traditional retail
`markets where imports represent 35%,
`imports only have a mere l% of all
`U.S. fleets. As Aaron Ashcraft, Nissan's national fleet and leasing manager
`puts it: "Fleets represent the last bastion of dominance by domestic
`the
`manufacturers." But just as tenacity has proven the corporate tag line,
`imports are'putting increased pressure on the old order. The Japanese have
`developed a reputation for producing quality products at competitive
`prices, and fleet managers are beginning to realize the lifecycle benefits
`imports and implants offer, especially at a time when the definition of an
`American car is becoming increasingly blurred.
`The problem of defining what is meant by a domestic car is
`particularly difficult in the U.S. What was once assumed to be an import
`has been replaced by transplants and joint—venture products. Many consumers
`are unaware that a large percentage of what they think were imports are
`actually manufactured in America and vice veraa: 3 Toyota Camry from
`Kentucky is just as American as a Chevrolet Storm (from Japan). According
`to Dick Dennis, director of fleet operations at Mazda,
`"Acceptance is
`growing for imports as domestic manufacturers are sourcing more and more
`components outside the U.S." This has meant that the Lincoln Crown Victoria
`was recently classified as an import because so many of its components are
`manufactured abroad.
`Joint ventures and equity stakes are becoming infectious. Soon it
`will become almost impossible to identify a car with a single nationality.
`One example of this latest twist in the import market will be seen in the
`1991 model year when Honda will ship Accord Wagons, designed in Japan but
`
`Page 000059
`
`

`
`Businesses are realizing the importance of fleet safety and are
`cleaxly taking measures to implement corporate safety‘programs and
`communicate fleet safety to employees. According to the l989~l990
`Runzheimer survey of business car policies and costs,
`57% of companies have
`adopted a written safety policy for their fleets compared with only 37% in
`1987. Furthermore,
`the study indicates that company-owned fleets, versus
`their leased counterparts, were much more prominent
`in supporting safety
`programs.
`Among those programs offereo_b
`,
`,
`tabilitzy to accident
`nfifteoorde‘piiorftogissuingst
`"0.
`.1'”.i“<'
`'-have .de.?Ie.3es9P.ed "a ’hi"Sli°r'
`.
`..,.
`mp_“ puery into an—empioyeeWs history may.teYe& .
`, . According to Runzheimer,
`58% of companies surveyed now checked
`_,
`driving history. These employees,
`if essential oar users, can be put on
`probation and compelled to participate in a driving program.
`The second is the effective use of safety programs. Johnson &
`Johnson has instituted a safety program both new employees and spouses are
`required to participate in prior to obtaining a company car. This program
`is intended to change driver attitude and improve handling skills to better
`anticipate and deal with potential accident situations.
`Intelligent Vehicles
`
`
`
`
`
`
`to. _
`-P‘?°.‘.’F‘?“
`' ‘.'.that.'.si.m:>l.y
`
`Page 000060
`
`? 2
`
`0/3,k
`
`20/3,E</1 (Item 1 from file: 16)
`DIAl..OG(R)FEle 16: Gale Group PROMT(R)
`(C) 2011 Gale/Cengage. All rights reserved.
`
`0018210124 Supplier Number: 264438102 (USE FORMAT 7 FOR FULLTEXT)
`
`DRIVERS BOXING CLEVER; Technology drives down insurance.(Business)
`"l__‘lfl_e
`'
`(I, noon, Engiand) , p 36
`..
`Aufg
`..
`.1 Bad Date
`Language: English Record Type: Fuiltext
`Document ”l"ype: Newspaper ; General
`Word count: 1130
`
`
`
`DRIVERS BOXING CLEVER; Technology drives down insurance .{Business)
`
`insurance premiums for young drivers have shot up a staggering 80%
`CAR
`in the past two years...
`
`...level of individuals.
`'31:’-"F?"‘Fll.'5’..5-.'5?.°’3-°¥.1..’C.1'1§‘5:‘.é'L.1‘
`.d¥'-'5-V635 are 5‘-“."’3‘.-1’.1‘.3’
`7
`I
`r‘.099,.$.!i1.i!\rt Y<?.=‘|-15.59:.
`"sing this technology, The “insurance ”in&oetry hopes'to
`;.ma.n:s? :r1o:'.w.=."t<> take .thi§.'—--119.-.
`ens: "reg.
`The AA, currently lobbying the...
`
`
`
`..operative, which entered the market in Maxoh this year, and Young
`Marmalade, which runs an
`insurance
`and car purchase scheme.
`Ian Crowder,
`from the AA, says: "The big advantage of black...
`
`...young people die on the roads each year and then bring in the
`extortionate car
`insurance
`costs for young people, surely something that
`encourages safer driving and bringa down costs is...
`
`...644 0205 /www.young marmalade.co.uk. Offers a combined car purchase and
`black box
`insurance
`scheme for young drivers.
`Insurance ‘costs can be
`around 50% lower. A typical 18-yearold pays pounds 250 a month for a car
`
`

`
`for the first year.
`ineoranoe
`Insurance : www.oo-operat'
`
`oI=zic'>'ii:éds
`.--u
`of-l_"’E5;;l_i=%“f5%'1i6iiri9iizdiiikiéiié“‘see’
`_
`_.
`.co.uk.
`insurance product. The Co~op is now
`'2'_hh"4
`2E2
`5DO]fiitfi
`offering cashwback as a reward to young drivers..
`
`
`
`and insurance
`
`...SAVE pounds 56
`Paula Scares is delighted. She has managed to slash her monthly oar
`insurance
`costs from pounds 170 a month to pounds 120 in just four months.
`"1 can...
`
`...so much in such a short space of time. I took out a young driver
`insurance policy with the Cowoperative in March this year after I passed
`my test. Since...
`...22, had a black box fitted to the dashboard of her Eeugeot 206 car.
`It
`records
`information about her driving , watching that she
`keeps within speed limits, avoids harsh braking and acceleration and
`takes corners with care.
`rate and
`insurance
`In return, she got a lower than average starter
`has the ongoing benefit of cheaper rates in the future as she proves..._
`
`all
`
`24/3,i</1' (Item 1 from flie: 148)
`DIALOG(R)File 148: Gale Group Trade & Industry DB
`{c) 2011 Gaie/Cengage. All rights reserved.
`
`Supplier Number: 13952942 (USE FORMAT 7 OR 9 FOR FULL TEXT )
`06483889
`It didn't start with Dateiine NBC. (fraudulent investigative TV documentaries about
`automobile safety) (Special Section: The Decline of American Journalism)
`
`Olson, Walter
`Natlonai Review , V45 , n12 , p41(5)
`June 21 , 1993
`ISSN: 0028-0038
`Language: ENGLESH
`Record Type: FULLTEXT; ABSTRACT
`Word Count: 3910 Line Count: 00287
`
`*****24/3,K/2 (Item 2 from file: 148)
`DlALOG(R)File 148: Gale Group Trade &1radust:ry DB
`(c) 2011 Gale/Cengage. Alt rights reserved.
`
`Supplier Number: 11127766 (USE FORMAT 7 OR 9 FOR FULL TEXT)
`05421120
`Allstate invests in collision avoidance system. (California 8:. The Western States)
`
`Haggerty, Alfred G.
`National Underwriter Property & Casua|ty—Risi< & Benefits Management , n31 , pC12(1)
`August 5 , 1991
`ISSN: 1042-6843
`
`Language: ENGLISH
`Record Type: FULLTEX?
`Word Count: 966
`Line Count: 00074
`...feet and processes information 50 times a second to provide nearly
`instantaneous warnings to the driver .
`I
`
`"
`"<3--iiesLted'a
`<:'_cin:_ienl:_e__-.13y
`' ep_onjs'truc_'t
`
`
`and_:sfieed
`able ‘card or
`eta on -3. re
`
`ders¥in'airplané$...
`f1_ght-éata rec
`
`
`
`Page 000061
`
`

`
`its vice president of safety
`...is one of the test sites and Donald Hansen,
`and
`insurance , said if the testing is successful,
`the trucker will equip
`its 834 tractors with VORAD.
`"With
`insurance
`costs continuing to escalate,
`and Landstar need solutions such as VORAD which...
`
`the trucking industry
`
`...has to be mature to assess the impact on the affordability and
`availability of auto insurance
`He said they have to see how it works in
`the real world before discussing possible
`insurance discounts.
`Mr. Bouchard said he has had some informal discussions with a couple
`of truck insurance carriers. both major players. and they are encouraging
`the introduction of VORAD. He said the...
`
`Page 000062
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`

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`? show files
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`File
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`File
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`File
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`File
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`File
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`File
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`?ds
`
`Set
`81
`S2
`
`S3
`
`S4
`S5
`S6
`S7
`S8
`S9
`510
`S11
`S12
`S13
`S14
`S15
`S16
`S17
`S18
`S19
`S20
`S21
`S22
`S23
`324
`
`35:Dissertati0n Abs Online 1861-2011/Nev
`(C) 2011 ProQuest Inf0&Learning
`99:Wilson Appl. Sci & Tech Abs 1983-2011/Nov
`(C) 2011 The HW Wilson Co.
`2:INSPEC 1898-2011/Dec W1
`(C) 2011 The IET
`583:Gale Group Globa1base{TM) 1986-2002/Dec 13
`(c) 2002 Gaie/Cengage
`474:New York Times Abs 1969-2011/Dec 19
`(C) 2011 The New York Times
`475:Wa1i Street Journal Abs l973~2011/Feb 14
`(c) 2011 The New York Times
`256:TecTrends 1982-2011/Apr W1
`(c) 2011 Info.Sources Inc. All rights res.
`l39:EconLit 1969-2011/Nov
`(c) 2011 American Econemic Association
`l69:Insurance Periodicals 1984-1999/Nov 15
`{c) 1999 NILS Publishing Co.
`6:N?IS 1964-2011/Dec W4
`(C) 2011 NTIS, Intl Cpyrght All Rights Res
`
`285746
`
`Items . Description
`1511839
`RECORD? ? OR RECORDING OR TRACKING OR TRACK? ? OR MONITOR?
`2522551
`BEHAVIO? OR HABITS OR PATTERN? OR DRIVING()(TECHNIQUE? OR -
`SKILL? OR STYLE?)
`VECHICLE? OR CAR OR CARS OR AUTOMOBLE? OR SUV OR TRUCK OR -
`?RUCKS
`SPEED OR SPEEDING OR HOW{)FAST
`BRAKENG OR BRAKE?
`INSURANCE(3N)(RATE OR RATES OR PREMIUMS}
`DATA OR INFORMATION OR METRICS
`DRIVER OR DRIVENG OR DRIVERS
`S1(15N)S8
`S1(l5N)S2
`Sl(15N)S3
`S1i(l0N)S8
`S12(1SN)(S2 OR 84 OR 55)
`S13 AND S6
`RD
`(unique items)
`S15/1996:2011
`S15 NOT 816
`S9(l5N)S4
`Sl8{l5N)S5
`S19 AND INSURANCE
`S20/1996:2011
`820 NOT S21
`RD
`(unique items)
`S23 NOT S17
`
`681590
`54597
`14228
`6213915
`248246
`7485
`49405
`8@48
`616
`111
`1
`1
`1
`0
`467
`28
`1
`1
`0
`0
`0
`
`Page 000063
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`

`
`16/3,3:/1-4
`
`16/3,K/1 (Etem 1‘rrom me: 9)
`D1A£.OG(R)F!§e 9: Business & Industry(R)
`(<2) 2011 Gale/Cengage. All rights reserved.
`
`04881591 Suppiier Number: 251001300 (USE FORMAT 7 OR 9 FOR FULLTEXT}
`Driving monitor: Data from telematics systems in company vehicies can identify dangerous
`behavior, helping reduce accidents and insurance costs.
`( ‘I”00LS&TECJ-INOLOGY )
`
`Treasury 8: Risk , p 14
`March 2011
`Document Type: Journal
`_
`Language: English Record Type: Fulltext
`Word Count: 402 (USE FORMAT 7 OR 9 FOR FULLTEXT)
`
`TEXT:
`tracking how many steps they
`IF AN IPHONE can make people healthier by
`
`take, why can“: something similar mek
`H5:
`d____t_f:u<:ks _$afer\by
`_
`__
`
`rnonltorlng
`drlvees ’
`be avioag ?
`__
`'
`q}~;ee.'<—ha:s_
`b‘e.e;ri?I:aVaiVl§223sle for..".'yea';35s,?"'
`‘el;pi»n'éj"cempa_nle
`e_-;E.ZLr':>I"cet_J. ms. of.;'.
`
` . re'1‘;e_t_e:d vtgj "ea f e t y ;'- ':':"x};4}a‘.3.ii1r_1"-{5_"1ih'_‘e"Fkjde l " o f
`.
`. .it to tra.¢I3<..:_.dr'i
`‘
`1
`V insurance-:19.‘-. ‘premiums . ".
`redxiciiiij3I:i'aco'iden e
`
`...bad drivers are, prior to its leading to an accident."
`
`rates . "If a company is able to
`insurance
`And that leads to_ lower
`reduce its losses,
`it will be able to reduce...
`
`16/3,K/2 (Item 2 from fiie: 9)
`DIALOG(R)FiEe 9: Business & Industn/(R)
`(c) 2011 Gaie/Cengage. At! rights reserved.
`
`04783685 Suppiier Number: 230393282 (USE FORMAT 7 OR 9 FOR FULLTEXT)
`Liberties taken with product: Progressive.
`( NEWS )
`
`Business Insurance , V 44 , n 26 , p 26
`June 28, 2010
`ISSN: 0007-6864 ( United States -)
`Document Type: Journal
`Language: Engllsh Record Type: Fufltext
`Word Count: 208 (USE FORMAT 7 OR 9 FOR FULLTEXT)
`
`TEXT:
`jGroup'_s_.in-'-car -:I:_1"<3>":z'1_4&"'LZ1:_l§:a'2_:__:i.n§_|~\'S-Yetem.i;o:;.he':L.}5
`. bffenéi'ed" _'_1:._ip'e_r%:‘yI7\Mutua'l
`
`'
`e§_ 'a11:.‘C;fo_-
`:Ln'sii‘jJ:'é1‘ii"<:'é2 I rates based on "the mi_.l:eége-'-driven in :.the
`<Jreh"-'3i.c_Z|__"
`
`The Mayfield Village, Ohio-based company has. ..
`
`Progressive introduced the first in— car monitoring system in 1999; The
`
`Page 000064
`
`

`
`
`
`oring ides"
`
`.téS.:'
`13..
`
`__
`’
`flatpgharts.
`..s‘aqé," and time‘-cf
`
`
`
`The driver's
`for the month is determined based on the
`rate
`insurance
`information gathered by the vehicle's on...
`
`16/3,K/3 (Item 3 from file: 9)
`DIAL.OG(R)File 9: Business & Irzdustry(R)
`{(2) 2011 Gate/Cengage. A11 rights reserved.
`
`03500975 Suppiier Number: 124857590 (USE FORMAT 7 OR 9 FOR FULLTEXT)
`Big Brother is riding shotgun: Part 2 of 2; 20 years after 1984, Orwe!l's novel is reality with
`our cars acting as spies.
`( News )
`
`Automotive News , V 79 , n 6121 , 53 56
`November 15, 2004 Bad Date
`Document Type: Journal
`ISSN: 0005-1551 ( United States )
`Language: Engiish Record Type: Fulltext
`Word Count: 1545 (USE FORMAT 7 OR 9 FOR FULLTEXT)
`
`TEXT:
`...from every jurisdiction it enters, ending any hope of surveiliance.
`
`California at the forefront
`
`companies also have come under fire for using global
`car
`Rental
`positioning satellite data to track
`driving
`habits , and once again,
`California is on the forefront of rule making.
`In August, Gov. Arnold...
`
`
`
`-éiisccmht
`i¥1s5?ii's
`piz:éii1';"'tc$'§-‘?§ive':fcai
`,.
`
`:by.taking.advantage of the b ask boxes.
`_
`’-1
`on ca
`ProgressiVe's Tripsenso test program in Minnesota, which is likely headed
`for a nationwide introduction in a year, allows customers to install
`monitors
`on their
`cars
`that
`record
`speed , miles traveied and time
`of day that the driving occurred. Those who drive less, at lower speeds,
`and at safer times of day, can save as much as 15 percent on their car
`insurance
`premiums
`
`some already see uses such as Progressive's as the first step to constant
`monitoring...
`
`Page 000065
`
`

`
`16/3,K/4(1tem 4 from fiie: 9)
`DIALOG(R)File 9,: Business & Industry(R)
`(<2) 2011 Gale/Cengage. All rights reserved.
`
`01538533 Sugplier Number: 24238748 (USE FORMAT 7 OR 9 FOR FULLTEXT)
`Liberty Mutual offers discounts for Volvo owners
`( Liberty Mutual Group and Volvo Cars of North America form ailiance to provide discounted
`insurance rates to the 1.4 mil Voivo owners in the US )
`
`Automotive News , n 5763 , p 25
`April 27, 1998
`Document Type: Journal ISSN: 00054551 ( United States.)
`Language: English Record Type: Fulltext
`Word Count: 229 (USE FORMAT '7 OR 9 FOR FULLTEXT)
`
`( Liberty Mutual Group and Volvo Cars of North America form alliance to provide discounted insurance
`rates to the 1.4 mil Volvo owners in the US )
`
`TEXT:
`. “of North America Inc. and Liberty Mutual Group have formed an alliance
`to offer discounted insurance
`rates
`to the 1.4 million Volvo owners in
`the United States.
`
`Besides lower rates for..
`
`...to as much as 35 percent off regular rates if they insure more than one
`car ,- if they have a safe driving
`record ; or if their
`cars
`have
`passive restraints and antilock brakes
`or antitheft devices.
`
`The program, which rolie out nationwide this month, also offers coverage
`for...
`
`Page 000066
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`Set
`31
`S2
`
`S3
`
`S4
`S5
`S6
`S7
`S8
`S9
`S10
`S11
`S12
`S13
`S14
`S15
`S16
`S17
`S18
`S19
`S20
`S21
`S22
`S23
`S24
`
`9:Business & Industry(R) Jul/1994-2011/Dec 16
`(C) 2011 Gale/Cengage
`20:Dia1og Global Reporter 1997-2011/Dec 19
`(c) 2011 Dialog
`6l0:Business Wire 1999w20l1/Dec 19
`{c) 2011 Business Wire.
`6l3:PR Newswire 1999-2011/Dec 19
`(c) 2011 PR Newswire Association Inc
`624:McGraw—Hil1 Publications l985w201l/Dec 19
`(C) 2011 McGraw~Hill Co.
`Inc
`634:San Jose Mercury
`Jun 1985-2011/Dec 15
`(c) 2011 San Jose Mercury News
`636:Ga1e Group Newsietter DB(TM) 1987-2011/Dec 14
`(C) 2011 Gale/Cengage
`810:Business wire 1986-1999/Feb 28
`(c) 1999 Business Wire
`_
`8l3:PR Newswire 1987w1999/Apr 30
`(C) 1999 PR Newswire Association Inc
`
`6160124
`
`Items Description
`17113401
`RECORD? ? OR RECORDING OR TRACKING OR TRACK? ? OR MONITOR?
`2948012
`BEHAVIO? OR HABITS OR PATTERN? OR DRIvING()(TECHNIQUE? OR v
`SKILL? OR STYLE?)
`VECHECLE? OR CAR OR CARS OR AUTOMOBLE? OR SUV OR TRUCK OR -
`TRUCKS
`SPEED OR SPEEDING OR HOW()FAST
`BRAKING OR BRAKE?
`INSURANCE(3N)(RATE OR RATES OR PREMIUMS}
`DATA OR INFORMATION OR METRICS
`DRIVER OR DRIVING OR DRIVERS
`S1{15N)S3
`S1(15N)S2
`Sl(l5N)S3
`S1l{l0N)S8
`S12{15N)(S2 OR S4 OR 85)
`S13 AND S6
`RD
`(unique items)
`S15/1996:2011
`S15 NOT S16
`S9(l5N}S4
`S18(l5N)S5
`819 AND ENSURANCE
`S20/1996:2011
`520 NOT S21
`RD
`(unique items)
`S23 NOT 317
`
`3114761
`337428
`167362
`30760647
`4379707
`158216
`120971
`194078
`20649
`2211
`120
`92
`92
`0
`7994
`424
`89
`89
`0
`0
`0
`
`Page 000067
`
`

`
`Page 000068
`
`? show files
`
`Jul/1994-2011/Dec 16
`
`9:Business & Indu$try(R)
`(C)
`2011 Gale/Cengage
`20:Dialog Global Reporter l997~2011/Dec 19
`(C) 2011 Dialog
`6lO:Business Wire 1999~20ll/Dec 19
`(C) 2011 Business Wire.
`613:PR Newswire 1999-2011/Dec 19
`2011 PR Newswire Association Inc
`(C)
`624:McGraw~Hill Publicatiofis 1985-2011/Dec 19
`Inc
`2011 McGraw~fiill Co.
`(C)
`634:San Jose Mercury
`Jun l985~20ll/Dec 15
`(C) 2011 San Jose Mercury News
`636:Ga1e Group Newsletter DB(TM) 1987-2011/Dec 14
`{c) 2011 Gale/Cengage
`810:Business Wire 1986-1999/Feb 28
`1999 Business Wire
`{C}
`813:PR Newswire 1987~1999/Apr 30
`1999 PR Newswire Association Inc
`(0)
`
`Items
`17113401
`2948012
`
`6160124
`
`3114761
`337428
`167362
`3076064?
`4379707
`158216
`120971
`194078
`20649
`2211
`120
`92
`92
`0
`7994
`424
`89
`89
`
`Description
`RECORD? ? OR RECORDING OR TRACKING OR TRACK? ? OR MONITOR?
`BEHAVIO? OR HABITS OR PATTERN? OR DRIVING()(TECHN1QUE? OR ~
`SKILL? OR STYLE?)
`VECHICLE? OR CAR GR CARS OR AUTOMDBLE? OR SUV OR TRUCK OR -
`TRUCKS
`SPEED OR SPEEDING OR HOW(}FAST
`BRAKING OR BRAKE?
`INSURANCE(3N)(RATE OR RATES OR PREMIUMS)
`DATA OR INFORMATION OR METRICS
`DRIVER OR DRIVING OR DRIVERS
`Sl(l5N}S8
`S1(l5N}S2
`S1(15N}S3
`Sl1(1GN)S8
`S12(l5N)(S2 OR S4 03 S5)
`S13 AND S6
`RD
`(unique items}
`S15/1