Emergency Claim Response System for Accident Data Collection
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Solution Overview
Problem
Current insurance claim processes are inefficient due to delays in acquiring accurate information after accidents, as individuals involved are often disoriented and unable to provide reliable descriptions, and witnesses may leave before being interviewed, leading to incomplete police reports and prolonged claim processing times.
Innovation Solution
A system that enables immediate video conferencing between an insured person and an emergency claim response person (ECRP) using a pre-programmed app, visual code scanning, or direct browser connection to guide the insured in providing accurate information and video evidence, ensuring timely and accurate data collection for insurance claims.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If an adjuster visits the accident scene later to collect information, then the adjuster can determine damage accurately, but the accident scene has already changed and witnesses have left, resulting in incomplete information
Solution Approach 1:
The system performs preliminary action by immediately capturing accident scene information, witness statements, and video evidence right after the accident occurs, before the scene changes or witnesses leave. The mobile device automatically records GPS location, takes photos, and captures video footage at the moment of the accident, ensuring accurate information is preserved for later claim processing without requiring a delayed adjuster visit to the altered scene.
2Loss of information
If police arrive at the accident scene, then they can document the incident, but by the time they arrive the scene has already been altered and witnesses have departed
Solution Approach 1:
The system enables self-service by automatically capturing and preserving accident information through the mobile device's built-in sensors and cameras. The device autonomously records GPS coordinates, takes photographs of the accident scene, captures video footage, and stores witness contact information without requiring external police intervention. This immediate self-capture ensures complete information is preserved before the scene changes or witnesses leave, eliminating the information loss that occurs even with rapid police response.
3Loss of information
If insured individuals provide accident descriptions immediately after the accident, then first-hand information can be captured, but the individuals are nervous and disoriented, resulting in inaccurate descriptions
Solution Approach 1:
The system uses copying by automatically capturing objective visual evidence through photos and video footage taken by the mobile device's camera, rather than relying on the insured's subjective verbal description. The device creates an accurate visual copy of the accident scene, vehicle positions, and damage, which preserves the true state of affairs without being affected by the insured's nervousness or disorientation. This visual copy serves as reliable evidence for the insurance claim.
Data Source
AI summary
A system 1000 enables an Emergency Claim Response Person (ERCP) 13 to remotely take control of an emergency situation via a live video link by directing an insured at the accident scene to take certain actions and acquire information and videos required for filing an insurance claim. The system 1000 includes an insured 1 using a smartphone 200 loaded with a proprietary App 211 that connects with the ECRP 13 at an emergency claim response unit (ECRU) 300 through a compatible video hosting server. The ECRP calms the insured 1 and instructs the insured 1 through the post-accident process. The ECRU 300 finds and requests the appropriate ambulance company, police and fire departments, when necessary. The ECRP 13 directs the insured 1 to video the accident scene, vehicle positions/orientation, and damage. The ECRU 300/ECRP 13 also instruct the insured to provide the insured's smartphone 200 to others to acquire video statements.