Electronic accident estimating system

• US 5,128,859 A
• Filed: 11/26/1990
• Issued: 07/07/1992
• Est. Priority Date: 09/12/1990
• Status: Expired due to Term

• Current Assignee: Stelvio, Inc.
• Original Assignee: Albert R. Carbone, Dominic Carbone, Filippo Di Fusco
• Inventors: Carbone, Albert R., di Fusco, Filippo, Carbone, Dominic
• Primary Examiner(s): Shaw, Dale M.
• Assistant Examiner(s): Huntley, David
• Application Number:
  US07/618,166
• Time in Patent Office: 589 Days
• Field of Search: 364/401, 364/413.13, 364/400
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/0875 Itemisation or classification of parts, supplies or services, e.g. bill of materials
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

An electronic accident estimating system has been produced by integrating commercially available electronic hardware with proprietary software developed expressly for the estimating system. Electronic images of accidented vehicles are taken by the bodyshop estimator. These images are then imported to a computer by using a color video digitizer. The images, once resident in the computer, provide the visual evidence substantiating the estimated accident damage. The bodyshop estimator fills in the accident estimate on the computer, highlighting areas on the various images as required. Once the estimate is completed, the estimate file is compressed in size and transmitted electronically to the insurance company. At the insurance company, an insurance estimator then decompresses the estimate file and begins to peruse the estimate. If further clarification is required, the insurance estimator can request more images to be taken and transmitted. Execution of repairs can also be easily audited by the insurance company by simply requesting that images be taken during the repairs at specific repair milestones (replacement of body panels, application of primer, etc.) and transmitted to their office. The system also provides on-line archiving of accident estimates.

Claims

1. An electronic system for the preparation, transmission and reception of information concerning accidented vehicles comprising a first station, at which said accidented vehicle is located, and a second station, said first station comprising:

first processor means including first memory storage means;

means for acquiring video image signals representative of images of said accidented vehicles;

means for feeding said video image signals to said first processor means;

means for generating estimate data signals representative of cost estimates for fixing said accidented vehicles;

means for feeding said estimate data signals to said first processor means;

first means for compressing said video image signals and said estimate data signals to provide compressed image data and compressed estimate data;

first means for storing said compressed image data and said compressed estimate data in said first memory storage means; and

first means for transmitting said compressed image data and said compressed estimate data to said second station;

said second station comprising means for receiving said compressed image data and said compressed estimate data, for viewing said received compressed image data and said received compressed estimate data, for amending said received compressed image data and said received compressed estimate data to provide amended compressed image data and amended compressed estimate data, or for approving said received compressed image data and said received compressed estimate data;

said second station also including second means for transmitting said amended compressed image data and amended compressed estimate data to said first station;

said first station further including means for receiving said amended compressed image data and said amended compressed estimate data, said first processor means including means for amending said amended compressed image data and said amended compressed estimate data or for approving said amended compressed image data and said amended compressed estimate data;

whereby, said first and second stations are in continuing interactive communication with each other.

2. A system as defined in claim 1, wherein said first station further includes first means for displaying images represented by said video image signals and estimates represented by said estimate data signals;

said first means for displaying being driven by said video image signals and said estimate data signals;

first means for feeding said video image signals and said estimate data signals to said first means for displaying.

3. A system as defined in claim 2 wherein said means for acquiring video image signals comprises a color video camera means;

said means for feeding said video image signals to said first processor means comprising a color video digitizer for converting the video image signals to computer manipulable data;

said first means for feeding said video image signals and said estimate data signals to said first means for displaying comprising a first high resolution color display circuit card;

said first means for displaying comprising a first high resolution color display monitor;

said first memory storage means comprising first mass storage media in the form of first hard disc drives, first floppy disc drives, and first W.O.R.M. (Write Once Read Many) optical storage systems;

said means for generating estimate data signals comprising a first keyboard; and

said first means for transmitting comprising a first modem.

4. A system as defined in claim 3 and further including a first pointing device for graphically highlighting and textually annotating portions of said images;

said pointing device indicating whether a new image, or images from a different perspective, or a close-up image, are desired.

5. A system as defined in claim 4 wherein said second station is located at a separate location, said second station comprising;

second processor means including second memory storage means;

said second processor means comprising means for decompressing said received compressed image data and said received compressed estimate data into said video image signals and said estimate data signals;

second means for displaying said images represented by said video image signals and said estimates represented by said estimate data signals;

second means for storing said received compressed image data and said received compressed estimate data in said second memory storage means.

6. A system as defined in claim 5 wherein said second display means comprises a second high resolution color display monitor;

said system further including;

second means for feeding said image data to said second high resolution color display monitor comprising, a second high resolution color display card; and

second means for feeding said estimate data to said second high resolution color display monitor comprising said second high resolution color display card;

said second memory storage means comprising second mass storage media in the form of second hard disc drives, second floppy disc drives, and second W.O.R.M. (Write Once Read Many) optical storage systems;

said means for amending comprising a second keyboard and a second pointing device;

said means for receiving comprising a second modem.

7. A system as defined in claim 6 whereby, said first and second stations communicating via their respective modems can amend estimate data signals or generate new estimate data signals.

8. A method of preparing and transmitting vehicle accident information from a first location to a second location, comprising:

obtaining, at said first location, video image signals representative of images of an accidented portion of the vehicle;

transforming the video image signals to digital image signals;

graphically highlighting and textually annotating the digital image signals;

compressing the digital image signals to provide compressed image signals;

generating digital cost estimate signals;

compressing said digital estimate signals to provide compressed estimate signals; and

transmitting said compressed image signals and said compressed estimate signals to said second location.

9. A method as defined in claim 8 and further including;

receiving said compressed image signals and said compressed estimate signals at said second location;

decompressing said compressed image signals and said compressed estimate signals to provide digital image signals and digital estimate signals;

feeding said digital image signals and digital estimate signals to a display means;

displaying said images of said accidented portion of the vehicle and said cost estimates on said display means.

10. An electronic system for the preparation, transmission and reception of information concerning accidented vehicles, comprising a first station, said first station comprising:

first processor means including first memory storage means;

means for acquiring video image signals representative of images of said accidented vehicles;

means for feeding said video image signals to said first processor means;

first means for generating estimate data signals representative of cost estimates for fixing said accidented vehicles;

means for feeding said estimate data signals to said first processor means;

first means for compressing said video image signals and said estimate data signals to provide compressed image data and compressed estimate data;

first means for storing said compressed image data and said compressed estimate data in said first memory storage means;

first means for transmitting said compressed image data and said compressed estimate data;

and further including first means for displaying images represented by said video image signals and estimates represented by said estimate data signals;

and still further including a pointing device for graphically highlighting and textually annotating portions of said images;

said printing device indicating whether a new image, or images from a different perspective, or a close-up image, are desired.

11. A system as defined in claim 10 wherein said first means for displaying is driven by said video image signals and said estimate data signals;

first means for feeding said video image signals and said estimate data signals to said first means for displaying.

12. A system as defined in claim 11 wherein said means for acquiring video image signals comprises a color video camera means;

said means for feeding said video image signals to said first processor means comprising a color video digitizer for converting the video image signals to computer manipulable data;

said first means for feeding said video image signals and said estimate data signals to said first means for displaying comprising a first high resolution color display circuit card;

said first means for displaying comprising a first high resolution color display monitor;

said first memory storage means comprising first mass storage media in the form of first hard disc drives, first floppy disc drives, and first W.O.R.M. (Write Once Read Many) optical storage systems;

said first means for generating estimate data signals comprising a first keyboard; and

said first means for transmitting comprising a first modem.

13. A system as defined in claim 12 wherein a second station is located at a separate location, said second station comprising;

second processor means including second memory storage means;

means for receiving said compressed image data and said compressed estimate data;

said second processor means comprising means for decompressing said received compressed image data and said received compressed estimate data into said video image signals and said estimate data signals;

second means for displaying said images represented by said video image signals and said estimates represented by said estimate data signals;

second means for storing said received compressed image data and said received compressed estimate data in said second memory means.

14. A system as defined in claim 13 wherein said second display means comprises a second high resolution color display monitor;

said system further including;

second means for feeding said image data to said second high resolution color display monitor comprising a second high resolution color display card; and

second means for feeding said estimate data to said second high resolution color data display monitor comprising said second high resolution color display card;

said second memory storage means comprising second mass storage media in the form of second hard disc drives, second floppy disc drives, and second W.O.R.M. (Write Once Read Many) optical storage systems;

said means for receiving comprising a second modem.

15. A system as defined in claim 14 whereby, said first and second stations communicating via their respective modems can amend estimate data signals or generate new estimate data signals.