Systems and methods of utilizing unmanned vehicles to detect insurance claim buildup
First Claim
1. A computer-implemented method of fraudulent claim detection, the method comprising:
- directing, by a server associated with an insurance provider, at least one unmanned vehicle to a location of at least one of an individual or an insured asset to collect data indicating a loss event involving the individual or the insured asset;
receiving, at the server, the data detected by the at least one unmanned vehicle;
examining, by a processor, the data detected by the at least one unmanned vehicle to calculate an estimated amount of damage resulting from the loss event;
generating, by the processor, an estimated insurance claim for the loss event based upon the estimated amount of damage resulting from the loss event;
receiving, at the server, an actual insurance claim related to the loss event and submitted by a claimant individual;
comparing, by the processor, the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim; and
processing the actual insurance claim based upon the potential buildup.
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Accused Products
Abstract
The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.
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Citations
22 Claims
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1. A computer-implemented method of fraudulent claim detection, the method comprising:
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directing, by a server associated with an insurance provider, at least one unmanned vehicle to a location of at least one of an individual or an insured asset to collect data indicating a loss event involving the individual or the insured asset; receiving, at the server, the data detected by the at least one unmanned vehicle; examining, by a processor, the data detected by the at least one unmanned vehicle to calculate an estimated amount of damage resulting from the loss event; generating, by the processor, an estimated insurance claim for the loss event based upon the estimated amount of damage resulting from the loss event; receiving, at the server, an actual insurance claim related to the loss event and submitted by a claimant individual; comparing, by the processor, the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim; and processing the actual insurance claim based upon the potential buildup. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A central monitoring server for detecting fraudulent claims, the system comprising:
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a transceiver adapted to interface with and receive data detected by at least one unmanned vehicle; a memory adapted to store non-transitory computer executable instructions; and a processor adapted to interface with the transceiver and the memory, wherein the processor is configured to execute the non-transitory computer executable instructions to cause the processor to; direct the at least one unmanned vehicle to a location of at least one of an individual or an insured asset to collect data indicating a loss event involving the individual or the insured asset; receive, via the transceiver, the data detected by the at least one unmanned vehicle; examine the data detected by the at least one unmanned vehicle to calculate an estimated amount of damage resulting from the loss event; generate an estimated insurance claim for the loss event based upon the estimated amount of damage resulting from the loss event; receive an actual insurance claim related to the loss event and submitted by a claimant individual; compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim; and process the actual insurance claim based upon the potential buildup. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification