DIAGRAMMING TOOL FOR VEHICLE INSURANCE CLAIMS

• US 20100036683A1
• Filed: 08/05/2008
• Published: 02/11/2010
• Est. Priority Date: 08/05/2008
• Status: Abandoned Application

• Current Assignee: Andrew J. Logan
• Original Assignee: Andrew J. Logan
• Inventors: LOGAN, Andrew J.
• Application Number:
  US12/186,235
• Publication Number:
  US 20100036683A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A method to use a diagramming tool software application is provided. The diagramming tool software application enables an insured to generate a graphical representation of an incident to be submitted along with an insurance claim application form. The method provided herein streamlines the claim application process, and reduces errors stemming from the insurance adjuster being required to associate the drawings with the claims, and/or re-create the drawings in a more legible and/or transferable format.

Claims

1. A computer implemented method for submission of a motor vehicle insurance claim relating to an incident to one or more insurance service providers, the method comprising:

receiving an insurance claim application form containing information concerning the incident;

receiving a graphical representation of the incident in electronic form prepared using a diagramming software tool, the graphical representation comprising at least one representation of an insured individual or a vehicle of the insured individual;

storing the insurance claim application form and the graphical representation of the incident as a completed insurance claim application; and

submitting the completed insurance claim application to the one or more insurance service providers.

2. The computer implemented method of claim 1, wherein the completed insurance claim application is submitted online.

3. The computer implemented method of claim 1, further comprising providing an insurance claim application form that requires information be added by a user for completion.

4. The computer implemented method of claim 1, further comprising providing the diagramming software tool for preparation of the graphical representation of the incident.

5. The computer implemented method of claim 1, further comprising:

receiving information about a location of the incident using the diagramming software tool, the information comprising one or more of a state, a city, or a street name; and

displaying a map of the location or a diagram of the location.

6. The computer implemented method of claim 5, wherein the information about the location is received from the insurance claim application form containing information concerning the incident.

7. The computer implemented method of claim 1, wherein the graphical representation comprises representation of one or more objects present at a location of the incident using one or more icons, the one or more objects comprising signs, motor vehicles, people, natural objects, or man-made objects.

8. The computer implemented method of claim 7, wherein if the one or more icons represent a same type of object, each of the one or more icons further comprises a visual marker for differentiation.

9. The computer implemented method of claim 8, wherein the visual marker comprises one or more of a number, a color, or a symbol.

10. The computer implemented method of claim 7, wherein the diagramming software tool enables relocation or rotation of the one or more icons representing the one or more objects present at the location of the incident to accurately represent the incident.

11. The computer implemented method of claim 10, wherein the one or more icons are relocated or rotated using a pointing device.

12. The computer implemented method of claim 7, wherein the diagramming software tool enables labeling of the one or more icons representing the one or more objects present at the location of the incident to accurately represent the incident.

13. The computer implemented method of claim 7, further comprising the graphical representation identifying the one or more icons using one or more labels.

14. The computer implemented method of claim 7, wherein at least one icon comprises an arrow indicating a moving direction of one or elements represented by the at least one icon.

15. The computer implemented method of claim 1, wherein the graphical representation includes a representation of an initial location and a representation of a final location of the insured individual or the vehicle of the insured individual, and a representation of an initial location and a representation of a final location of a collision object.

16. The computer implemented method of claim 15, wherein the graphical representation further includes at least one representation of intermediary locations of the insured individual or the vehicle of the insured individual and the collision object, wherein the at least one representation of the intermediary locations comprises a representation of locations between the initial locations and the final locations.

17. The computer implemented method of claim 1, wherein the completed insurance claim application further comprises a photograph of a location of the incident.

18. The computer implemented method of claim 1, wherein the completed insurance claim application further comprises a plurality of graphical representations in electronic form representing a sequence of a plurality of events representing the incident.

19. The computer implemented method of claim 18, wherein the plurality of graphical representations is combined in the sequence of the plurality of events creating a motion picture of the incident.

20. The computer implemented method of claim 1, wherein the graphical representation comprises an indication of a cardinal direction.

21. The computer implemented method of claim 1, wherein the diagramming software tool comprises the function of labeling objects of the graphical representation.

22. The computer implemented method of claim 1, wherein the diagramming software tool comprises the function of adding one or more line markings to objects on the graphical representation using a widget.

23. A computer implemented storage medium, the medium storing:

a graphical diagramming tool for generating a graphical representation of a motor vehicle incident, the graphical diagramming tool comprising;

a mapping tool for generating a diagram of a location of the motor vehicle incident;

a shapes tool for generating one or more icons representing one or more objects present at the location of the motor vehicle incident, the one or more objects comprising signs, motor vehicles, people, natural objects, or man-made objects; and

an insurance claim application tool for filling out an insurance claim application form, wherein the graphical diagramming tool interacts with the insurance claim application tool.

24. A computer implemented method of providing a photograph of an object at a geographical location on a display device, the method comprising:

providing a graphical representation of the geographical location on the display device, the graphical representation comprising one or more icons representing one or more still objects present at the geographical location, the one or more objects comprising signs, natural objects, or man-made objects;

pointing to at least one of the one or more icons with a pointing device to activate the at least one icon; and

providing a photograph of the one or more still objects represented by the at least one icon on the display device.

25. The computer implemented method of claim 24, wherein the one or more objects comprise a speed limit sign or a traffic sign.