Mobile Incident Data Capture for Insurance Claims
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Solution Overview
Problem
The current methods for processing information from accident scenes are inefficient, leading to delays in incident response and inaccuracies in insurance claim settlements due to the difficulty in collecting and transferring location, image, and audio data from mobile devices to insurers, often resulting in lost witness statements and missing evidence.
Innovation Solution
A system and method that utilizes mobile devices to collect and process incident information, including GPS data and statements, which is then stored in an incident information and claims repository to facilitate timely and accurate insurance claim processing and incident response services.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If incident information is collected manually at the accident scene, then witness statements and evidence can be obtained, but the process is time-consuming and evidence may be lost due to fading memories and difficulty in locating witnesses
Solution Approach 1:
The system performs preliminary actions by automatically capturing incident information (location, images, audio) at the scene using mobile devices before witnesses' memories fade and before they can be relocated. The GPS receiver and camera are activated to record data immediately when the incident is reported, preserving evidence in its original context without delay.
Solution Approach 2:
The server acts as an intermediary that receives incident information from multiple mobile devices and automatically processes, stores, and correlates the data. This intermediary system eliminates the need for manual collection and transfer by directly receiving digital data from witnesses' mobile devices and integrating it with insurance policy information from the repository.
2Productivity
If incident information is transferred through multiple intermediate steps (physical format, manual entry), then data can be provided to insurers, but accuracy decreases and processing delays occur
Solution Approach 1:
The system replaces mechanical processes (manual collection, physical transfer, handwritten notes) with electronic and optical systems. Mobile devices with GPS receivers, cameras, and microphones automatically capture and transmit digital data directly to the server, eliminating manual transcription and reducing errors associated with human entry and interpretation.
Solution Approach 2:
The system creates accurate digital copies of incident information directly from mobile devices. The server receives and stores copies of images, audio recordings, and GPS location data in electronic format, preserving the original quality and accuracy without degradation that occurs during manual copying or transcription processes.
3Reliability
If comprehensive incident data is collected at the scene, then claim settlement accuracy improves, but the complexity of data collection and transfer increases
Solution Approach 1:
The server performs multiple functions within a single system: receiving incident information from various sources (mobile devices), processing different data types (GPS coordinates, images, audio), storing information in the repository, correlating with policy data, and generating claims. This multi-functional approach consolidates what would otherwise require multiple separate systems into one unified platform.
Solution Approach 2:
The system enables self-service by allowing witnesses to automatically submit incident information through their mobile devices without requiring manual intervention from adjusters or investigators. The GPS receiver automatically captures location data, the camera captures images, and the microphones record audio, with all data being transmitted and processed automatically by the server.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
This solution enables direct and efficient transfer of incident data from mobile devices to insurers, improving the responsiveness and accuracy of incident response services and insurance claim settlements by ensuring comprehensive and timely data collection and processing.
Implementation Method 1
a GPS receiver operable to receive GPS signals from GPS satellites
Data Source
AI summary
A method, system and computer-usable medium are disclosed for the processing of information collected by a mobile device at the site of an incident. An incident information processing system, comprising an incident location information module, receives incident information provided in a communication originated from a mobile device. The received incident information is processed by the incident location information module to provide location information, which is then used to provide incident response services. Image and audio information relating to the incident are likewise provided by the mobile device for processing into incident information. Incident statement questions are generated by the incident information processing system and are then presented via the mobile device for response by various parties associated with the incident. Responses to the questions are collected via the mobile device, processed into incident statements, and stored in the incident information and claims repository.