Automated Vehicle Damage Estimation from Historical Image Data

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Solution Overview

Problem

Conventional insurance claim processing for vehicle damage is time-consuming and costly due to the need for multiple assessments to accurately evaluate damage extent.

Innovation Solution

Utilizes historical damage data and machine learning algorithms to estimate vehicle damage and repair costs based on captured images, comparing them with a database of similar historical damage cases to determine the likelihood and cost of repairs.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If multiple manual assessments are performed to accurately evaluate damage extent, then measurement precision is improved, but loss of time and productivity deteriorate

Engineering Contradiction:
Improvedamage assessment accuracyVSAvoidclaim processing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary damage assessment by automatically analyzing images of damaged vehicles and comparing them with historical data from similar cases. This preliminary action provides an initial damage estimate that reduces the need for multiple manual assessments, thereby maintaining accuracy while reducing processing time

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system creates a digital copy of the damaged vehicle through image capture and uses this copy to compare against historical damage data. By working with the image copy rather than requiring physical inspection of multiple vehicles, the system maintains assessment accuracy while significantly reducing the time required for multiple manual assessments

Inventive Principle:
Principle #26Copying

2Measurement precision

If multiple manual assessments are performed to accurately evaluate damage extent, then measurement precision is improved, but productivity deteriorates

Engineering Contradiction:
Improvedamage assessment accuracyVSAvoidclaim processing efficiency
Core Design Contradiction:
Measurement precisionVSProductivity

Solution Approach 1:

The system enables self-service damage assessment by automatically analyzing vehicle damage images and generating repair estimates without requiring multiple manual assessments. The automated system serves itself by comparing images against historical data, maintaining accuracy while dramatically improving processing efficiency

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system replaces the mechanical process of multiple manual physical assessments with an automated image analysis system. By substituting human manual inspection with automated computer vision and machine learning algorithms, the system maintains measurement precision while significantly improving productivity

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Productivity

If automated image analysis with historical data comparison is implemented, then productivity is improved, but device complexity increases

Engineering Contradiction:
Improveclaim processing efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system achieves multi-functionality by using a single automated image analysis platform that can process various types of vehicle damage across different vehicle models. The historical data database serves multiple purposes by providing comparison data for different damage types, reducing the need for separate specialized systems while maintaining high productivity

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS12393987B1Methods and apparatus for automated insurance claim processing using historical data
Publication Date: 2025.08.19 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US12393987B1 patent drawing
  • US12393987B1 patent drawing
  • US12393987B1 patent drawing

AI summary

Example methods, apparatus and articles of manufacture to process insurance claims using historical data are disclosed herein. An example method of estimating damage to a vehicle, the method includes receiving, using one or more processors, one or more images of damage to a vehicle, identifying, using one or more processors, one or more additional vehicles having damage similar to the damage to the vehicle based on the one or more images, determining, using one or more processors, a likelihood that a part of the vehicle is damaged based on damage associated with the one or more additional vehicles, and determining, using one or more processors, whether to include the part in a repair estimate based on the likelihood.