CONSUMER CLAIM MANAGEMENT PROCESS
First Claim
Patent Images
1. A process for managing claims to repair an article of a customer, said process comprising the steps of:
- (i) authorizing the customer to access a claim management system through a computing device based on identification data of the customer, wherein the customer holds an insurance policy from an insurance company;
(ii) obtaining damage data of the article, wherein said article is covered by said insurance policy;
(iii) retrieving a repair deductable according to the insurance policy from an insurance database accessible from the computing device;
(iv) generating and displaying repair data on a display device coupled to the computing device, said repair data comprise standard repair cost and repair options based on the damage data and the insurance policy;
(v) obtaining repair selections from the customer on one or more of said repair options to generate a customer repair selection;
(vi) calculating a customer repair cost based on the customer repair selection;
(vii) generating a modified deductable based on the standard repair cost and the customer repair cost, wherein said modified deductable is less than said repair deductable if the customer repair cost is less than the standard repair cost;
(viii) generating a repair estimate based on said customer repair selection, said customer repair cost and said modified deductable; and
(ix) displaying on the display device said repair estimate, said customer repair cost and said modified deductable.
5 Assignments
0 Petitions
Accused Products
Abstract
The present invention is directed to a process for managing claims to repair an article of a customer. The present invention is particularly directed to a process for managing claims to repair an article of a customer when the article is covered by an insurance policy. This invention is further directed to a process for managing claims to repair an automobile vehicle of a customer covered by an insurance policy having a predetermined deductable.
14 Citations
23 Claims
-
1. A process for managing claims to repair an article of a customer, said process comprising the steps of:
-
(i) authorizing the customer to access a claim management system through a computing device based on identification data of the customer, wherein the customer holds an insurance policy from an insurance company; (ii) obtaining damage data of the article, wherein said article is covered by said insurance policy; (iii) retrieving a repair deductable according to the insurance policy from an insurance database accessible from the computing device; (iv) generating and displaying repair data on a display device coupled to the computing device, said repair data comprise standard repair cost and repair options based on the damage data and the insurance policy; (v) obtaining repair selections from the customer on one or more of said repair options to generate a customer repair selection; (vi) calculating a customer repair cost based on the customer repair selection; (vii) generating a modified deductable based on the standard repair cost and the customer repair cost, wherein said modified deductable is less than said repair deductable if the customer repair cost is less than the standard repair cost; (viii) generating a repair estimate based on said customer repair selection, said customer repair cost and said modified deductable; and (ix) displaying on the display device said repair estimate, said customer repair cost and said modified deductable. - View Dependent Claims (2, 3, 4, 5, 6)
-
-
7. A computing program product stored in a computer readable storage medium, said computing program product when installed on or functionally coupled to a computing device causes the computing device to perform a computing process comprising the steps of:
-
(i) authorizing a customer to access the claim management system through said computing device based on identification data of the customer, wherein the customer holds an insurance policy from an insurance company; (ii) receiving damage data of an article of the customer, wherein said article is covered by said insurance policy; (iii) retrieving a repair deductable according to the insurance policy from an insurance database accessible from the computing device; (iv) generating and displaying on a display device coupled to the computing device repair data comprising a repair deductable, standard repair cost, and repair options based on the damage data and the insurance policy; (v) receiving repair selections on one or more of said repair options to generate a customer repair selection; (vi) calculating a customer repair cost based on the customer repair selection; (vii) generating a modified deductable based on the standard repair cost and the customer repair cost, wherein said modified deductable is less than said repair deductable if the customer repair cost is less than the standard repair cost; (viii) generating a repair estimate based on said customer repair selection, said customer repair cost and said modified deductable; and (ix) displaying on said display device said repair estimate, said customer repair cost and said modified deductable. - View Dependent Claims (9, 10, 11, 12)
-
-
8. The computing program product of claim 8, wherein said computing process further comprises one or more steps selected from:
-
(x) sending the repair estimate to a repair shop, an agent of the repair shop, the insurance company, an agent of the insurance company, the customer, an agent of the customer, or a combination thereof; (xi) obtaining a repair report from the repair shop and optionally sending said repair report to the customer; (xii) obtaining an insurance claim report from the insurance company and optionally sending the insurance report to said customer; (xiii) generating a part list based on the customer repair selection and sending the part list to one or more part suppliers; (xiv) generating an article rental request based on the customer repair selection and sending the article rental request to a rental company; (xv) obtaining a rental report from said rental company and optionally sending the rental report to said customer; (xvi) obtaining repair approval from said insurance company;
or(xvii) a combination thereof.
-
-
13. A claim management system comprising a computing program product and a computing device, said computing program product when installed on or functionally coupled to the computing device causes the computing device to perform a computing process comprising the steps of:
-
(i) authorizing a customer to access the claim management system through said computing device based on identification data of the customer, wherein the customer holds an insurance policy from an insurance company; (ii) receiving damage data of an article of the customer, wherein said article is covered by said insurance policy; (iii) retrieving a repair deductable according to the insurance policy from an insurance database accessible from the computing device; (iv) generating and displaying on a display device coupled to the computing device repair data comprising a repair deductable, standard repair cost, and repair options based on the damage data and the insurance policy; (v) receiving repair selections on one or more of said repair options to generate a customer repair selection; (vi) calculating a customer repair cost based on the customer repair selection; (vii) generating a modified deductable based on the standard repair cost and the customer repair cost, wherein said modified deductable is less than said repair deductable if the customer repair cost is less than the standard repair cost; (viii) generating a repair estimate based on said customer repair selection, said customer repair cost and said modified deductable; and (ix) displaying on said display device said repair estimate, said customer repair cost and said modified deductable. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
-
Specification