Liability Assessment System Using Multi-Source Video Compilation

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Solution Overview

Problem

Current methods for determining liability in vehicle crashes rely on potentially inaccurate and delayed eyewitness reports, leading to inefficiencies in the insurance marketplace and delayed claims resolution.

Innovation Solution

A liability assessment system that aggregates video images from multiple sources, such as surveillance cameras, smartphones, and drones, to create a chronological and spatial compilation of the crash scene, allowing for real-time analysis of impact characteristics and fault attribution to drivers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If eyewitness reports and delayed photographs are used to determine liability, then the assessment process is simple to implement, but the accuracy of fault determination deteriorates and time delays increase

Engineering Contradiction:
Improveaccuracy of fault determinationVSAvoidtime delay in claims resolution
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary actions by capturing video evidence at the moment of the crash and pre-processing it to extract key frames and characteristics. This advance preparation ensures that when liability assessment is needed, the evidence is already prepared and ready for immediate analysis, eliminating delays associated with collecting evidence after the fact.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent replaces the mechanical system of manual eyewitness reporting and photograph collection with an automated video capture and analysis system. The automated system continuously records and processes crash events, substituting human observation and manual evidence gathering with machine-based automated evidence collection and initial processing.

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

2Measurement precision

If multiple video sources are aggregated and processed, then the accuracy of liability assessment improves, but the system complexity increases

Engineering Contradiction:
Improveaccuracy of fault determinationVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system segments the complex task of liability assessment into distinct processing stages: video capture from multiple sources, synchronization and alignment, key frame extraction, characteristic analysis, and fault determination. This segmentation allows each component to be independently optimized and managed, reducing overall system complexity while maintaining high accuracy through comprehensive multi-source analysis.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements a universal processing framework that handles multiple video sources, various crash scenarios, and different types of evidence through a single integrated system. The multi-functional architecture processes surveillance footage, smartphone videos, and other sources using common algorithms for synchronization, analysis, and liability determination, reducing complexity by avoiding separate specialized systems for each function.

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

Data Source

PatentUS10853882B1Method and system for analyzing liability after a vehicle crash using video taken from the scene of the crash
Publication Date: 2020.12.01 STATE FARM MUTAL AUTOMOBILE INSURANCE COMPANY
  • US10853882B1 patent drawing
  • US10853882B1 patent drawing
  • US10853882B1 patent drawing

AI summary

A method and system may analyze the liability of drivers involved in a vehicle crash based on video image data of the vehicle crash. When a vehicle crash occurs, several image capturing devices may transmit sets of video images captured within a predetermined threshold distance and time of the scene of the vehicle crash. The sets of video images may be combined, aggregated, and/or assembled chronologically and spatially to form a compilation which may depict the sequence of events leading up to, during, and immediately after the vehicle crash. Based on the compilation, percentages of fault may be allocated to each of the drivers involved in the vehicle crash and the amount of liability may be assessed for each of the drivers.