System and method for identifying and assessing comparative negligence in insurance claims
First Claim
1. A computer-based method for determining the degree of comparative negligence of a party involved in a loss, comprising the steps of:
- categorizing said loss into an accident type based on a preliminary information about said loss;
generating a plurality of questions based on said accident type;
receiving responses to said plurality of questions from said party; and
determining degree of comparative negligence of said party from said responses.
1 Assignment
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Accused Products
Abstract
The invention is a method and system useful in determining the degree of comparative negligence of an insured person involved in an accident as compared to the comparable negligence of other parties involved in the accident, in particular the insurance claimant. The method and system of the invention include, at a minimum, the steps of gathering preliminary information concerning accident type, applying preliminary rules to the preliminary information to determine accident type, gathering additional information specific to the accident type, and applying accident-type-specific rules to the additional information to determine the degree comparative negligence of said insured person and/or the claimant.
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Citations
65 Claims
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1. A computer-based method for determining the degree of comparative negligence of a party involved in a loss, comprising the steps of:
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categorizing said loss into an accident type based on a preliminary information about said loss;
generating a plurality of questions based on said accident type;
receiving responses to said plurality of questions from said party; and
determining degree of comparative negligence of said party from said responses. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A system for determining the degree of comparative negligence of a party involved in a loss, comprising:
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a pre-processing module for categorizing said loss into an accident type based on a preliminary information about said loss; and
a processing module for generating a plurality of questions based on said accident type, receiving responses to said plurality of questions from said party;
and determining degree of comparative negligence of said party from said responses. - View Dependent Claims (25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
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47. A computer readable medium comprising code for determining the degree of comparative negligence of a party involved in a loss, said code comprising instructions for:
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categorizing said loss into an accident type based on a preliminary information about said loss;
generating a plurality of questions based on said accident type;
receiving responses to said plurality of questions from said party; and
determining degree of comparative negligence of said party from said responses. - View Dependent Claims (48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65)
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Specification