Automated Total Loss Evaluation System for Vehicle Claims
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Solution Overview
Problem
The insurance claims process for vehicle losses is time-consuming and complex, involving extensive paperwork, manual inspections, and lengthy settlements, which can be streamlined by automating the determination of total losses and settlement processes.
Innovation Solution
A computer-implemented total loss evaluation and handling system that receives vehicle state data, applies pre-configured total loss rules to determine if a loss is a total loss, estimates the vehicle's value, and initiates a settlement payment without physical inspection, utilizing processors, sensors, and telematics data for automated decision-making and communication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If manual claims adjustment process is used with paperwork processing and face-to-face meetings, then accuracy of damage assessment is improved, but processing time and complexity increase significantly
Solution Approach 1:
The patent replaces the mechanical manual inspection system with an automated image processing system using cameras and computer vision algorithms. The system captures images of damaged vehicles, automatically processes them through algorithms to assess damage extent, and generates claims evaluations without requiring physical adjuster inspection, thereby eliminating time loss while maintaining assessment accuracy
Solution Approach 2:
The system creates digital copies of the damaged vehicle through image capture and processing. Instead of requiring a physical inspection copy, the automated system works with digital image representations to evaluate damage, enabling remote assessment that eliminates travel time and scheduling delays while preserving measurement precision
2Productivity
If automated image processing system is implemented, then processing speed and efficiency are improved, but system complexity and initial resource requirements increase
Solution Approach 1:
The patent implements a universal image processing platform that handles multiple types of damage assessment scenarios through a single system. The automated system can process various vehicle types, damage conditions, and claim scenarios using the same core technology infrastructure, reducing overall system complexity while maintaining high processing speed and productivity across diverse applications
Solution Approach 2:
The system introduces an intermediary image processing layer between image capture and claims evaluation. This intermediary layer standardizes the conversion of various image inputs into structured damage assessments, simplifying the overall system architecture while enabling rapid processing. The intermediary processing layer acts as a buffer that manages complexity internally while presenting simple interfaces externally
3Reliability
If physical inspection and paperwork processing are required, then claim validation accuracy is improved, but resource allocation and operational costs increase
Solution Approach 1:
The patent implements a self-service automated evaluation system that performs claim validation independently without requiring human adjuster resources. The system automatically captures images, processes them through validation algorithms, and generates claims assessments autonomously. This self-service capability maintains validation accuracy while eliminating the resource consumption associated with manual inspection and paperwork processing
Data Source
AI summary
Aspects of the disclosure describe systems and methods for handling a loss involving an insured vehicle. A total loss evaluation and handling system receives vehicle state data and determines that a loss involving the vehicle has occurred. A total loss evaluator selects a set of total loss rules configured to determine whether the loss is a total loss. The total loss evaluator applies the total loss rules selected to the vehicle state data received and determines whether the loss is a total loss based on the total loss rules applied. A total loss handler obtains an estimated value of the vehicle and generates a settlement amount based on the estimated value. The total loss handler initiates a payment corresponding to the settlement amount as settlement for the total loss.