Insurance and financial services, namely, insurance premium rate computing, underwriting and administration of property and casualty insurance using a global computer network, namely, providing customers insurance policy information and insurance policy documents, insurance policy changes made via a self-service on-line system, and bill payment services provided via a global computer network; Assessing, processing, and adjusting, property and casualty insurance claims and providing related administrative services, namely, providing customers electronic payments of claims, in the nature of, electronic transfer and processing of funds payments and electronic processing of insurance payment data