Automated Liability Assessment System for Premises Accidents

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Solution Overview

Problem

Insurance claims organizations face challenges in accurately assessing liability for premises accidents due to factors like ineffective negotiation, high case loads, and inexperienced claims adjusters, often resulting in inadequate and inequitable assessments.

Innovation Solution

A computer-implemented method for estimating liability by evaluating accident characteristics, determining claimant status, breach of duty, causation, defenses, and bars to liability, using a system that considers expert knowledge and investigative questions to provide a more accurate and equitable liability assessment.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If claims adjusters assess liability quickly to avoid litigation, then claim processing speed is improved, but assessment accuracy deteriorates

Engineering Contradiction:

Improveclaim processing speedVSAvoidliability assessment accuracy

Core Design Contradiction:

ProductivityVSMeasurement precision

Solution Approach 1:

The patent replaces the manual mechanical assessment process with an automated computer system that uses algorithms to evaluate liability. The system automatically processes claim characteristics, applies legal standards, and calculates liability percentages without human intervention, thereby maintaining speed while improving accuracy through consistent algorithmic application of law.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system enables self-service by allowing the computer to autonomously assess liability without requiring experienced adjusters. The automated system performs its own investigation and evaluation using built-in algorithms and legal databases, eliminating the need for human expertise while maintaining high accuracy standards.

Inventive Principle:

Principle #25Self-service

2Measurement precision

If claims adjusters conduct thorough investigations of premises accident scenes, then liability assessment accuracy is improved, but time consumption increases

Engineering Contradiction:

Improveliability assessment accuracyVSAvoidtime to assess liability

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary action by pre-programming algorithms and legal standards before actual claims arise. The computer system is pre-loaded with liability assessment methodologies, legal precedents, and evaluation criteria, enabling immediate accurate assessment without time-consuming on-site investigations or legal research during the claims process.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent substitutes manual investigative processes with automated computer-based evaluation. The system automatically analyzes claim characteristics against pre-established legal standards and calculates liability percentages instantly, eliminating the time-consuming manual investigation process while maintaining thoroughness and accuracy.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Productivity

If inexperienced claims adjusters make best guess assessments, then processing efficiency is improved, but assessment quality deteriorates

Engineering Contradiction:

Improveprocessing efficiencyVSAvoidassessment quality

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

4Productivity

If claims adjusters assess 100% liability against the insured, then claim settlement speed is improved, but fairness deteriorates

Engineering Contradiction:

Improveclaim settlement speedVSAvoidliability allocation accuracy

Core Design Contradiction:

ProductivityVSMeasurement precision

Solution Approach 1:

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system changes the parameter of liability assessment from fixed 100% assignments to variable percentage calculations based on actual claim characteristics. The algorithm dynamically adjusts liability percentages according to the specific facts of each claim, enabling both speed and precision by computing accurate percentages rather than applying uniform maximum penalties.

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS7672860B2Computerized method and system for determining the contribution of defenses to premises liability for an accident

Publication Date: 2010.03.02 COMPUTER SCIENCES CORP

AI summary

A computer-implemented method and system for estimating a contribution of a defense to premises liability is provided. In one embodiment, a set of characteristics of an accident may be provided to a computer system. A contribution of the defense may be determined from at least one of the characteristics of the accident. In one embodiment, a characteristic may include a location of the accident. The defense may selected from a group of one or more defenses.