Automated claim processing and attorney referral and selection
First Claim
1. A computer-based method of managing an insurance claim, comprising:
- (A) sending over a network to a claimant a questionnaire about an incident;
(B) receiving over the network a response to the questionnaire;
(C) sending over the network to the claimant a request for at least one document associated with the incident, the request based on at least some of the received response to the questionnaire;
(D) receiving, storing, and maintaining the at least one document requested of the claimant;
(E) creating the insurance claim which includes the at least one document and the at least some of the response to the questionnaire; and
(F) assigning a credibility rating to the insurance claim based on the at least one document and at least some of the response to the questionnaire.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer-based method and system for managing insurance claims enables a claimant (with or without an attorney) and an insurance carrier to initiate, document, value, and negotiate an insurance claim in a timely manner while minimizing expense associated therewith. The claimant accesses the system over a network and is guided systematically from claim initiation to claim resolution. The claimant is provided with information on the credibility of the insurance claim and easy to use tools to help determine the value of the insurance claim. Additionally, the claimant is provided with an option to “auction” the insurance claim to an attorney in the event negotiations between the claimant and the insurance carrier do not lead to a settlement.
152 Citations
21 Claims
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1. A computer-based method of managing an insurance claim, comprising:
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(A) sending over a network to a claimant a questionnaire about an incident;
(B) receiving over the network a response to the questionnaire;
(C) sending over the network to the claimant a request for at least one document associated with the incident, the request based on at least some of the received response to the questionnaire;
(D) receiving, storing, and maintaining the at least one document requested of the claimant;
(E) creating the insurance claim which includes the at least one document and the at least some of the response to the questionnaire; and
(F) assigning a credibility rating to the insurance claim based on the at least one document and at least some of the response to the questionnaire. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-based system for managing an insurance claim, comprising:
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(A) an electronic questionnaire module for sending over a network to a claimant a questionnaire about an incident;
(B) a receiving module for receiving over the network a response to the questionnaire;
(C) a document request module for sending over the network to the claimant a request for at least one document associated with the incident, the request based on at least some of the received response to the questionnaire;
(D) a receiving, storage, and maintenance module for receiving, storing, and maintaining the at least one document requested of the claimant;
(E) an insurance claim creation module for creating the insurance claim which includes the at least one document and the at least some of the response to the questionnaire; and
(F) an insurance claim credibility assessment module for assigning a credibility rating to the insurance claim based on the at least one document and at least some of the response to the questionnaire. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A method of evaluating the credibility of an insurance claim, comprising:
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(A) sending over a network to a claimant a questionnaire about an incident;
(B) receiving over the network a response to the questionnaire;
(C) sending over the network to the claimant a request for at least one document associated the incident, the request based on at least some of the received response to the questionnaire; and
(D) determining a credibility score based on the at least one document and the at least some of the received response to the questionnaire. - View Dependent Claims (20, 21)
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Specification