Claims Assignment via Crowdsourced Adjuster Priority Scores
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Solution Overview
Problem
The process of assigning insurance claims to adjusters is time-consuming and complex, affecting efficiency and customer satisfaction due to the reliance on traditional methods that do not effectively leverage the skills and availability of a large pool of potential adjusters.
Innovation Solution
An intelligent adjuster assignment system utilizing a crowdsourcing platform that determines real-time priority scores for adjusters based on weighted parameters, such as location, experience, and user ratings, to assign claims to the top-ranked adjuster, while also training the system to adjust parameters based on historical data.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If traditional manual assignment methods are used, then adjusters can be assigned to claims, but the process is time-consuming and complex
Solution Approach 1:
The patent replaces manual mechanical assignment processes with an automated computer-based system that uses algorithms to calculate priority scores and automatically assign claims to adjusters, eliminating the need for manual intervention in the assignment process
Solution Approach 2:
The system enables automatic self-assignment where claims are automatically matched with appropriate adjusters based on calculated priority scores without requiring human decision-making, allowing the system to service itself in the assignment process
2Adaptability or versatility
If a large pool of adjusters is utilized, then more skilled workers are available, but managing and selecting from the pool becomes complex
Solution Approach 1:
The system transforms the complex multidimensional problem of adjuster selection into a simplified numerical comparison by converting multiple adjuster attributes (skills, availability, location, experience) into a single priority score parameter that enables straightforward ranking and selection
Solution Approach 2:
The priority score acts as an intermediary that mediates between the complex adjuster pool characteristics and the simple selection decision, translating multiple adjuster attributes into a single comparable metric that facilitates easy selection from the pool
3Measurement precision
If real-time priority scores are calculated based on multiple weighted parameters, then the most suitable adjuster can be identified, but the calculation process becomes complex
Solution Approach 1:
The system segments the overall adjuster evaluation into multiple independent weighted parameters (skills, availability, location, experience), allowing each parameter to be evaluated separately and then combined through mathematical weighting to produce the final priority score
Data Source
AI summary
An intelligent adjuster assignment system includes a crowdsourcing platform, one or more processors, one or more memory components, and machine readable instructions that cause the intelligent adjuster assignment system to: receive an insurance claim during a period of time, determine a plurality of real-time adjuster priority scores based on one or more weighted parameters for a plurality of adjusters of an adjuster pool on the crowdsourcing platform during the period of time, determine a top-ranked adjuster from the plurality of adjusters based on the plurality of real-time adjuster priority scores, and assign the insurance claim to the top-ranked adjuster.