Method and systems for virtual insurance adjusting
First Claim
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1. A method for insurance adjusting for property casualty losses comprising:
- initiating a real-time audio and visual communication link between a location of a property casualty loss and an insurance company;
allowing a customer of the insurance company to communicate with the insurance company over the communication link;
providing visual identification of the property casualty loss over the communication link; and
obtaining authorization for repairs of the property casualty loss based upon the visual identification.
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Abstract
Methods and systems for insurance adjusting for property casualty losses are provided. A communication link is established between the location of the property casualty loss and an insurance company. The communication link can provide real-time audio and visual communications between the insurance company, the owner of the property which suffered the casualty loss and a third party. The insurance company can receive visual identification of the property casualty loss without actually visiting the property, thereby reducing costs to the insurance company.
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Citations
35 Claims
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1. A method for insurance adjusting for property casualty losses comprising:
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initiating a real-time audio and visual communication link between a location of a property casualty loss and an insurance company;
allowing a customer of the insurance company to communicate with the insurance company over the communication link;
providing visual identification of the property casualty loss over the communication link; and
obtaining authorization for repairs of the property casualty loss based upon the visual identification. - View Dependent Claims (2, 3, 4, 6, 7, 8, 9, 10, 11)
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5. The method of claim i, wherein the communication between the customer and the insurance company is initiated by a mitigation company and the authorization for repairs are for restoration work to the property.
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12. A method for insurance adjusting for property casualty losses comprising:
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establishing a real-time audio and visual communication link between an insurance company and a location of a property casualty loss;
communicating with a customer of the insurance company over the communication link;
requesting visual identification of the property casualty loss;
receiving the visual identification over the communication link; and
providing authorization for repairs for the property casualty loss. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A system for insurance adjusting for property casualty losses comprising:
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a satellite dish;
a transceiver connected to the satellite dish;
a computer connected to the transceiver; and
audio and visual equipment connected to the computer, wherein the computer displays real-time audio and visual information received from an insurance company via the satellite dish, and the audio-visual equipment provides real-time audio and visual communication between a customer of the insurance company and the insurance company, and provides real-time video of the customer'"'"'s damaged property. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31)
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32. A system for insurance adjusting for property casualty losses comprising:
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a satellite dish;
a transceiver connected to the satellite dish; and
a server connected to the transceiver and a network, wherein the satellite dish receives real-time audio and visual information from a property insured by an insurance company and transmits real-time audio and visual information received from the insurance company, and wherein the server determines an amount of usage of a communication link comprising the satellite dish, a satellite and another satellite dish. - View Dependent Claims (33, 34, 35)
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Specification