System and method for managing insurance claim processing
DCFirst Claim
1. A method of managing insurance claim processing comprising the steps of:
- providing a remote computer in communication with a wide area network, said wide area network in communication with a computer in an insurance company home office;
sending an insurance claim work assignment from the insurance company home office computer to a communication server in the wide area network;
storing the insurance claim work assignment in an electronic mailbox in the communication server;
obtaining the insurance claim work assignment at the remote computer from the communication server;
generating an insurance claim datafile on the remote computer, said datafile corresponding to said insurance claim work assignment and configured to receive all data pertinent for processing an insurance claim;
allowing for bidirectional transmission of the datafile over the wide area network; and
building sections of the datafile at the remote computer using information accessed from an external source to the remote computer.
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Litigations
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Accused Products
Abstract
A system and method for managing and processing insurance claims is provided that implements an object oriented graphic user interface. The system includes at least one remote computer for entering and viewing insurance claim information. A wide area network capable of communicating with the remote computer and a computer in communication with said wide area network are also included. An insurance datafile, generated at said remote computer, is transferrable over the network. The method includes the steps of transmitting a claim assignment from an insurance office computer to a mailbox in a communications server, retrieving the assignment at a remote computer and generating an insurance claim datafile containing all data pertinent to an insurance claim and allowing for bidirectional transmission of the datafile over a wide area network. A graphic user interface for use in managing an insurance claim from an initial claim to final settlement is also included. The interface has common workflow objects such as an in box, an in process box, and an out box, for managing and manipulating one or more workfiles.
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Citations
39 Claims
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1. A method of managing insurance claim processing comprising the steps of:
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providing a remote computer in communication with a wide area network, said wide area network in communication with a computer in an insurance company home office; sending an insurance claim work assignment from the insurance company home office computer to a communication server in the wide area network; storing the insurance claim work assignment in an electronic mailbox in the communication server; obtaining the insurance claim work assignment at the remote computer from the communication server; generating an insurance claim datafile on the remote computer, said datafile corresponding to said insurance claim work assignment and configured to receive all data pertinent for processing an insurance claim; allowing for bidirectional transmission of the datafile over the wide area network; and building sections of the datafile at the remote computer using information accessed from an external source to the remote computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of managing insurance claims processing comprising the steps of:
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providing a remote computer in communication with a wide area network, said wide area network in communication with a computer in a home office; generating an insurance claim datafile on the remote computer, said datafile containing data on an insured, data on a claim, data on satisfying a claim, wherein said datafile is configured to receive all data pertinent to the claim; modifying the datafile at the remote computer to update the datafile with information accessed from an external source to the remote computer wherein the datafile contains an estimated total loss valuation and information for calculating a repair estimate; and determining if a vehicle is approaching a total loss by automatically monitoring repair estimate calculations and the estimated total loss valuation.
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14. A system for processing an insurance claim comprising:
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a remote computer for entering data related to an insured; a wide area network having a communication server capable of communicating with said remote computer; a computer in communication with said wide area network; and an insurance claim datafile, generated at said remote computer, wherein the entire datafile is transferrable over the network, said insurance claim datafile comprising; data on an insured including the name and policy number of the insured, the insurance claim number, and the nature of the claim; and an event log for listing a date and an author of each action taken on the insurance claim datafile whereby an insurance company may monitor efficiency of claim handling. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. A system for processing insurance claims comprising:
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a remote computer for entering data related to an insured; a wide area network capable of communicating with said remote computer; a computer in communication with said wide area network; an insurance claim datafile, generated at said remote computer, wherein the entire datafile is transferable between the remote computer and the computer, said datafile having inspection, repair estimate, total loss, and settlement information related to an automobile insurance claim; and a user interface for managing insurance claim datafile processing pertaining to an insurance claim, said user interface allowing communication of input and output data, said user interface further comprising means for calculating and comparing repair and total loss values. - View Dependent Claims (30, 31, 32, 33)
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34. A graphic user interface for use in managing an insurance claim from an initial claim to final settlement comprising:
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an in box capable of holding at least one insurance datafile for a user to process; an in process box, the in process box for holding at least one insurance datafile that the user has begun working on; and an out box, the out box for holding at least one insurance datafile that the user has completed work on wherein said in box, in process box, and out box are concurrently visible to the user so that insurance claim processing workflow is readily apparent to the user. - View Dependent Claims (35, 36)
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37. A system for processing an insurance claim for a vehicle, the system comprising:
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a first computer for generating an insurance claim assignment; a communication server capable of communicating with the first computer over a communication network; a second computer in communication with the communication server; a plurality of insurance claim datafiles generated at the second computer, each insurance claim datafile transferable over the communication network, and a plurality of insurance claim assignments, each of the plurality of insurance claim datafiles associated with a respective one of the insurance claim assignments; and a graphic user interface at the second computer, the graphic user interface comprising an estimate comparison screen for displaying information on a selected one of the plurality of insurance claim datafiles, the estimate comparison screen simultaneously displaying replacement cost data for original equipment manufacturer (OEM) parts, recycled parts, and after market parts, and displaying a part repair cost. - View Dependent Claims (38, 39)
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Specification