3D Vehicle Image Baseline Generation for Automated Damage Assessment
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Solution Overview
Problem
Conventional insurance claims processing is complex, time-consuming, and lacks efficient options for pre-claim advice, often requiring multiple actors and extensive documentation, leading to delays in settling claims.
Innovation Solution
A streamlined process using a mobile device with a 3D imaging device to generate and compare 3D images of vehicles, allowing for automated damage assessment and claim processing, including outlier removal and cost estimation, facilitated by a processing server that determines vehicle characteristics and damage extent.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If conventional claims processing uses multiple actors and extensive documentation, then measurement precision of damage assessment is improved, but loss of time increases significantly
Solution Approach 1:
The patent replaces the mechanical system of manual documentation review and human analysis with an automated image processing system. The system captures images of the insured item, automatically processes these images to extract damage information, and generates assessments without requiring multiple human actors to review extensive paperwork, thereby maintaining assessment accuracy while dramatically reducing settlement time
Solution Approach 2:
The patent uses digital image copies of the insured item and its damage to replace physical inspection and manual documentation. By processing digital images automatically, the system eliminates the need for multiple human actors to physically examine the item and create extensive documentation, thus reducing time loss while preserving measurement precision through automated image analysis
2Reliability
If conventional claims processing requires multiple actors and extensive documentation, then reliability of claim assessment is improved, but device complexity increases
Solution Approach 1:
The patent replaces the complex mechanical system involving multiple human actors, coordination protocols, and extensive documentation workflows with a streamlined automated image processing system. This substitution maintains reliability through consistent automated analysis while reducing device complexity by eliminating the need for multiple human participants and complex coordination mechanisms
3Ease of operation
If conventional claims processing uses traditional methods, then ease of operation is maintained for simple cases, but productivity decreases due to extensive paperwork and multiple actors
Solution Approach 1:
The patent replaces traditional manual claims processing methods with automated image processing technology. The system captures images, automatically processes them to extract damage information, and generates assessments without requiring extensive paperwork or coordination among multiple actors. This substitution maintains ease of operation through simple image capture while dramatically improving productivity by eliminating manual documentation and analysis steps
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 approach significantly reduces the time to settle claims, provides efficient pre-claim consultations, and automates the claims adjustment process, enabling real-time settlement and reducing the need for extensive paperwork and human intervention.
Implementation Method 1
a 3D imaging device to generate a three-dimensional (3D) image of the vehicle
Data Source
AI summary
Systems and methods provide for an automated system for generating one or more three dimensional (3D) images of a vehicle and/or a baseline image for that vehicle. The system may receive 3D images of a plurality of vehicles of a same type (e.g., same make, model, year, etc.) and generate a 3D image of a baseline vehicle for vehicles of that same type based on 3D images of the plurality of vehicles of the particular type. The system may use a 3D image of the baseline vehicle to determine a characteristic of another vehicle, such as a modification made to the vehicle, damage to the vehicle, cost to repair the vehicle or replace parts of the vehicle, a value of the vehicle, an insurance quote for the vehicle, etc. In some aspects, the 3D images may optionally comprise 3D point clouds, and 3D laser scanners may be used to capture 3D images of vehicles.