Computerized method and system for estimating an effect on liability using claim data accessed from claim reporting software
First Claim
1. A method, comprising:
- associating, in a memory of a computer system, one or more numerical factor shifts with one or more values of a speed factor, wherein the value of the speed factor is based on a comparison between a specified speed of a reacting vehicle with a speed for avoiding, wherein the specified speed is an actual speed, a safe speed, or a speed limit for an accident, wherein the speed for avoiding is an approximate speed that allows a reacting vehicle to avoid an accident;
storing claim data for one or more claims relating to a vehicle accident under consideration in a claims reporting database in a first data memory, wherein the claims reporting database is associated with claims reporting software;
copying the claim data from the claims reporting database in the first data memory associated with claims reporting software to a liability estimation database in a second data memory associated with a system for estimating liability in a vehicle accident, the second data memory being located on a computer system for estimating liability;
accessing the claim data on the liability estimation database associated with the system for estimating liability in a vehicle accident;
assessing an opportunity to avoid the vehicle accident under consideration, wherein assessing the opportunity to avoid the vehicle accident under consideration comprises;
estimating a speed for avoiding for the vehicle accident under consideration, wherein the speed for avoiding is an approximate speed of the reacting vehicle that would allow the reacting vehicle to avoid the vehicle accident;
the computer system comparing a specified speed of a reacting vehicle in a the vehicle accident under consideration with the estimated speed for avoiding for the vehicle accident under consideration, wherein the specified speed is an actual speed, a safe speed, or a speed limit; and
determining, for the vehicle accident under consideration, a value of a speed factor; and
estimating liability for at least one party in the vehicle accident under consideration using the accessed claim data, wherein estimating liability comprises the computer system applying, to a base liability for the party, at least one of the one or more numerical factor shifts in the memory, wherein the applied at one factor shift is associated with a value of the speed factor that matches the value determined for the speed factor for the vehicle accident under consideration.
1 Assignment
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Accused Products
Abstract
Computer-implemented methods and systems for estimating liability for a vehicle accident are provided. In an embodiment, claim data may be accessed for one or more claims relating to a vehicle accident from a first database on a computer system. In some embodiments, the claim data may be accessed if the claim data is not stored on a second database. In other embodiments, the accessed claim data may be stored on a second database on the computer system. The second database may be associated with a method and system for estimating liability in the vehicle accident. In further embodiments, the stored claim data for one or more of the claims may be accessed on the second database for use by the method and system for estimating liability in the vehicle accident.
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Citations
20 Claims
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1. A method, comprising:
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associating, in a memory of a computer system, one or more numerical factor shifts with one or more values of a speed factor, wherein the value of the speed factor is based on a comparison between a specified speed of a reacting vehicle with a speed for avoiding, wherein the specified speed is an actual speed, a safe speed, or a speed limit for an accident, wherein the speed for avoiding is an approximate speed that allows a reacting vehicle to avoid an accident; storing claim data for one or more claims relating to a vehicle accident under consideration in a claims reporting database in a first data memory, wherein the claims reporting database is associated with claims reporting software; copying the claim data from the claims reporting database in the first data memory associated with claims reporting software to a liability estimation database in a second data memory associated with a system for estimating liability in a vehicle accident, the second data memory being located on a computer system for estimating liability; accessing the claim data on the liability estimation database associated with the system for estimating liability in a vehicle accident; assessing an opportunity to avoid the vehicle accident under consideration, wherein assessing the opportunity to avoid the vehicle accident under consideration comprises; estimating a speed for avoiding for the vehicle accident under consideration, wherein the speed for avoiding is an approximate speed of the reacting vehicle that would allow the reacting vehicle to avoid the vehicle accident; the computer system comparing a specified speed of a reacting vehicle in a the vehicle accident under consideration with the estimated speed for avoiding for the vehicle accident under consideration, wherein the specified speed is an actual speed, a safe speed, or a speed limit; and determining, for the vehicle accident under consideration, a value of a speed factor; and estimating liability for at least one party in the vehicle accident under consideration using the accessed claim data, wherein estimating liability comprises the computer system applying, to a base liability for the party, at least one of the one or more numerical factor shifts in the memory, wherein the applied at one factor shift is associated with a value of the speed factor that matches the value determined for the speed factor for the vehicle accident under consideration. - View Dependent Claims (2, 3, 4, 5, 6, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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7. A system configured to estimate liability, comprising:
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a CPU; a data memory coupled to the CPU; and a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method comprising; associating, in a memory of a computer system, one or more numerical factor shifts with one or more values of a speed factor, wherein the value of the speed factor is based on a comparison between a specified speed of a reacting vehicle with a speed for avoiding, wherein the specified speed is an actual speed, a safe speed, or a speed limit for an accident, wherein the speed for avoiding is an approximate speed that allows a reacting vehicle to avoid an accident; storing claim data for one or more claims relating to a vehicle accident under consideration in a claims reporting database, wherein the claims reporting database is associated with a claims reporting software; copying the claim data from the claims reporting database associated with the claims reporting software to a liability estimation database associated with a system for estimating liability in a vehicle accident; accessing the claim data on the liability estimation database associated with the system for estimating liability in a vehicle accident; assessing an opportunity to avoid the vehicle accident under consideration, wherein assessing the opportunity to avoid the vehicle accident under consideration comprises; estimating a speed for avoiding for the vehicle accident under consideration, wherein the speed for avoiding is an approximate speed of the reacting vehicle that would allow the reacting vehicle to avoid the vehicle accident; the computer system comparing a specified speed of a reacting vehicle in a the vehicle accident under consideration with the estimated speed for avoiding for the vehicle accident under consideration, wherein the specified speed is an actual speed, a safe speed, or a speed limit; and determining, for the vehicle accident under consideration, a value of a steed factor; and estimating liability for at least one party in the vehicle accident under consideration using the accessed claim data, wherein estimating liability comprises the computer system applying, to a base liability for the party, at least one of the one or more numerical factor shifts in the memory, wherein the applied at one factor shift is associated with a value of the speed factor that matches the value determined for the speed factor for the vehicle accident under consideration.
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8. A computer readable storage medium comprising program instructions, wherein the program instructions are computer-executable to implement a method comprising:
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associating, in a memory of a computer system, one or more numerical factor shifts with one or more values of a speed factor, wherein the value of the speed factor is based on a comparison between a specified speed of a reacting vehicle with a speed for avoiding, wherein the specified speed is an actual speed, a safe speed, or a speed limit for an accident, wherein the speed for avoiding is an approximate speed that allows a reacting vehicle to avoid an accident; storing claim data for one or more claims relating to a vehicle accident under consideration in a claims reporting database, wherein the claims reporting database is associated with claims reporting software; copying the claim data from the claims reporting database associated with the claims reporting software to a liability estimation database associated with a system for estimating liability in a vehicle accident; accessing the claim data on the liability estimation database associated with the system for estimating liability in a vehicle accident; assessing an opportunity to avoid the vehicle accident under consideration, wherein assessing the opportunity to avoid the vehicle accident under consideration comprises; estimating a speed for avoiding for the vehicle accident under consideration, wherein the speed for avoiding is an approximate speed of the reacting vehicle that would allow the reacting vehicle to avoid the vehicle accident; the computer system comparing a specified speed of a reacting vehicle in a the vehicle accident under consideration with the estimated speed for avoiding for the vehicle accident under consideration, wherein the specified speed is an actual speed, a safe speed, or a speed limit; and determining, for the vehicle accident under consideration, a value of a speed factor; and estimating liability for at least one party in the vehicle accident under consideration using the accessed claim data, wherein estimating liability comprises the applying, to a base liability for the party, at least one of the one or more numerical factor shifts in the memory, wherein the applied at one factor shift is associated with a value of the speed factor that matches the value determined for the speed factor for the vehicle accident under consideration.
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Specification