System and method for vehicle repair cost estimate verification

• US 10,453,145 B2
• Filed: 04/30/2014
• Issued: 10/22/2019
• Est. Priority Date: 04/30/2014
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Lawlor, Michael John, Siddall, Bethany
• Primary Examiner(s): Campen, Kelly S
• Application Number:
  US14/265,696
• Publication Number:
  US 20150317739A1
• Time in Patent Office: 2,001 Days
• Field of Search: 705 4, 705 11, 705400, 705 29, 705 37
• CPC Class Codes: G06Q 10/20 Administration of product repair or maintenance
• CPC Class Codes: G06Q 30/0283 Price estimation or determination
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A computer system for processing data for verification of vehicle repair estimates in connection with insurance claims includes an insurance claims database having data relating to insurance claims. One or more computer processors are configured to receive claim identifying data from a repair facility computer system; determine, based on the claim identifying data, an insurance claim associated with the claim identifying data; establish secure communication with the repair facility computer system; receive data indicative of a repair estimate associated with the insurance claim from the repair facility computer system; access an evaluation of the estimate based on a plurality of rules, compare the estimate to one or more thresholds, and forward the estimate to a claim handler system.

Claims

1. A computer system for processing data associated with vehicle repair estimates in connection with insurance claims, comprising:

one or more data storage devices storing;

an insurance claims database having data relating to a plurality of insurance claims;

one or more computer processors;

a data communications device in communication with the one or more computer processors;

a memory device in communication with the one or more computer processors, and storing computer-readable instructions, which instructions, when executed by the one or more computer processors, cause the one or more computer processors to;

access, via the data communications device, a vehicle repair rules database storing data indicative of a plurality of vehicle repair rules including two or more of staff threshold rules, compliance rules, gross estimate threshold rules, percentage of vehicle actual cash value rules, mechanical hours rules, mechanical total rules, and gross estimate difference rules;

establish, via the data communications device, secure communications with the repair facility computer system by providing the repair facility computer system code for creation of a virtual drive on the repair facility computer system, wherein the virtual drive is configured to receive repair estimate data from the repair facility computer system and make the repair estimate data available to the computer system;

receive claim identifying data from a repair facility computer system;

determine, based on the claim identifying data, an insurance claim associated with the claim identifying data;

receive data indicative of a repair estimate associated with the insurance claim from the repair facility computer system;

access data indicative of an evaluation of the received repair estimate, the evaluation being based on an application of the plurality of vehicle repair rules to the repair estimate; and

responsive to the data indicative of a value of the repair estimate being below a first threshold value, determine an insurance workflow to include forwarding the estimate for approval without forwarding the estimate to a claim handler device for review;

responsive to the data indicative of the value of the repair estimate being equal to or greater than the first threshold value, and the evaluation being indicative of one or more of the plurality of vehicle repair rules being triggered;

determine an insurance workflow to include forwarding the estimate to a claim handler device for review; and

render, for display on the claim handler device, a user interface including a top portion and a bottom portion, the top portion displaying a listing of conditions requiring review and the bottom portion displaying a listing of each item of the estimate including separate columns for parts, labor cost, and applicable rate;

responsive to the data indicative of the value of the repair estimate being equal to or greater than the first threshold value, and the evaluation being indicative of no rules being triggered, determine an insurance workflow to include forwarding the estimate for approval without forwarding the estimate to a claim handler device for review;

store, in the one or more data storage devices, a plurality of digital image data estimate rules for comparing an estimate based on digital image data to data indicative of a repair estimate received from the repair facility computer system;

receive, by the one or more computer processors, digital image data of the vehicle;

analyze, by a vehicle image analysis module, the digital image data of the vehicle and a baseline image of a same make and model of the vehicle, to identify vehicle parts that are damaged;

generate, based on the identified vehicle parts that are damaged, a digital image estimate to repair the damage;

access data indicative of an evaluation of the digital image estimate, the evaluation being based on an application of the plurality of digital image data estimate rules to the digital image estimate;

responsive to the data indicative of an identity of parts in the repair estimate differing from the identity of parts in the digital image estimate by greater than at least a second threshold, determine an insurance workflow to include forwarding the estimate to a claim handler device for review; and

responsive to the data indicative of the identity of parts in the repair estimate differing from the identity of parts in the digital image estimate by less than the at least second threshold, determine an insurance workflow to include forwarding the estimate for approval without review by a claim handler.

2. The computer system of claim 1, further comprising the claim handler device in communication with the one or more computer processors.

3. The computer system of claim 2, further comprising a payment system in communication with the claim handler device, the payment system being configured to effect payment responsive to instructions received from the claim handler device.

4. The computer system of claim 2, wherein the claim handler device is configured to, responsive to receiving the estimate for review, display claim information including a listing of triggered ones of the plurality of rules.

5. The computer system of claim 4, wherein the claim handler device is further configured to receive claim handler instructions to provide a modified estimate to the repair facility computer system, and to provide data indicative of the modified estimate to the one or more computer processors, and wherein the instructions further cause the one or more computer processors to, responsive to receipt of the data indicative of the modified estimate, provide the modified estimate to the repair facility computer system.

6. The computer system of claim 1, further comprising a communications device in communication with the one or more processors, the communications device being configured to provide estimate data to a claimant device.

7. The computer system of claim 1, wherein the accessing data indicative of an evaluation associated with the repair estimate comprises receiving the evaluation from an intermediary computer system.

8. The computer system of claim 1, wherein the instructions further cause the one or more processors to apply the plurality of rules to the estimate data prior to the accessing the data indicative of an evaluation.

9. The computer system of claim 1, wherein the instructions further cause the one or more processors to:

determine whether the repair facility is a network facility or a non-network facility,

responsive to determining that the repair facility is a network facility, and the estimate amount being below a second threshold, higher than the first threshold, determine an insurance workflow to include forwarding the estimate for approval; and

responsive to determining that the repair facility is a non-network facility, or that the estimate amount is not below the second threshold, determine an insurance workflow to include forwarding the estimate to a claim handler device for review.

10. The computer system of claim 1, wherein the one or more computer processors are further configured to communicate modifications to a rules database for use in generating the evaluation.