Automated damage assessment and claims processing
First Claim
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1. A method comprising:
- receiving, from a device associated with an enhanced claims processing server, loss information associated with an insurance claim of an insured item;
directing, at a claims processor associated with the enhanced claims processing server, a plurality of cameras to capture images of the insured item;
determining, at the claims processor, at least one damaged area of the insured item by applying an edge filter to the captured images of the insured item and a reference image of another item of a same type as the insured item and subtracting image data of the insured item from the reference image of the other item of the same type as the insured item to isolate an image portion containing only damage to the insured item;
further processing the image portion containing only the damage to the insured item to fill any missing links in edges of the at least one damaged area;
based on the determination, directing, at the claims processor, a plurality of lasers to capture additional data of the at least one damaged area, the additional data including raw depth data;
mapping, based on the additional data captured from the plurality of lasers and the further processed image portion, a depth of damage to the at least one damaged area and identifying, based on the mapping, a type of damage to the at least one damaged area; and
outputting, through a communication module associated with the enhanced claims processing server, damage information to an insurance consumer associated with the insured item, the damage information including the depth of damage and type of damage.
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Abstract
Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using cameras and lasers for determining the extent and severity of the damage. To aid in this determination, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages of similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.
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Citations
20 Claims
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1. A method comprising:
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receiving, from a device associated with an enhanced claims processing server, loss information associated with an insurance claim of an insured item; directing, at a claims processor associated with the enhanced claims processing server, a plurality of cameras to capture images of the insured item; determining, at the claims processor, at least one damaged area of the insured item by applying an edge filter to the captured images of the insured item and a reference image of another item of a same type as the insured item and subtracting image data of the insured item from the reference image of the other item of the same type as the insured item to isolate an image portion containing only damage to the insured item; further processing the image portion containing only the damage to the insured item to fill any missing links in edges of the at least one damaged area; based on the determination, directing, at the claims processor, a plurality of lasers to capture additional data of the at least one damaged area, the additional data including raw depth data; mapping, based on the additional data captured from the plurality of lasers and the further processed image portion, a depth of damage to the at least one damaged area and identifying, based on the mapping, a type of damage to the at least one damaged area; and outputting, through a communication module associated with the enhanced claims processing server, damage information to an insurance consumer associated with the insured item, the damage information including the depth of damage and type of damage. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A claims processing system comprising:
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a claims processor configured to direct a camera processor associated with a plurality of cameras to image an insured item, to generate a reproduced image of the insured item via stitching together first images generated by the plurality of cameras, and to determine at least one damaged area of the insured item based on the reproduced image, the claims processor further configured to direct a laser processor associated with a plurality of lasers to capture additional data to evaluate the at least one damaged area, the additional data including raw depth data; the plurality of cameras configured to communicate with the camera processor to generate the first images of the insured item; and the plurality of lasers configured to communicate with the laser processor to map a depth of damage to the at least one damaged area and, based on the mapping, identify a type of damage to the at least one damaged area. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. An apparatus comprising:
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a processor; and a memory storing computer-readable instructions that, when executed by the processor, cause the apparatus at least to; direct a plurality of cameras to generate a plurality of first images of an insured vehicle; access a first database storing a plurality of reference images depicting undamaged vehicles similar to the insured vehicle; compare the plurality of first images to the plurality of reference images to determine at least one damaged area on the insured vehicle; based on the determination, direct at least one laser to the at least one damaged area to capture additional data of the at least one damaged area to evaluate the at least one damaged area, the additional data including raw depth data; map, based on the additional data captured from the at least one laser, a depth of damage to the at least one damaged area and identify, based on the mapping, a type of damage to the at least one damaged area; access a second database storing repair cost information for other vehicles similar to the insured vehicle that have similar damage to the insured vehicle; determine a confidence factor for the repair cost information based on a similarity between the other vehicles and the insured vehicle; and using the repair cost information, the depth of damage and type of damage, and the confidence factor, generate a cost estimate for repairing the at least one damaged area of the insured vehicle and a list of service providers for performing the repair. - View Dependent Claims (20)
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Specification