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System and method for identifying and assessing comparative negligence in insurance claims

  • US 7,885,829 B2
  • Filed: 08/07/2002
  • Issued: 02/08/2011
  • Est. Priority Date: 08/07/2002
  • Status: Active Grant
First Claim
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1. A computer-based method comprising the steps of:

  • implementing one or more program controlled data processors to categorize a loss into an accident type based on preliminary information about said loss, said preliminary information comprising data relating to at least one of the following inputs;

    traffic light involvement, stop sign involvement, location with respect to the road of claimant'"'"'s vehicle and/or other vehicles involved, direction of travel of claimant'"'"'s vehicle with respect to other vehicles involved, and actions of the claimant'"'"'s vehicle and/or other vehicles involved, including;

    turning left, turning right, traveling straight, merging, and/or backing up;

    retrieving and presenting, via said one or more processors, a plurality of questions based on said accident type;

    receiving responses to said plurality of questions from a claimant and an insured, wherein said claimant is a different party than said insured;

    determining, via said one or more processors, if there is a discrepancy between said responses received from said claimant and said insured, and if there is such a discrepancy, resolving said discrepancy with information contained in a vehicle appraisal regarding said loss;

    determining, via said one or more processors, degree of comparative negligence of said claimant from said responses;

    using the determined comparative negligence to diminish the claimant'"'"'s damages; and

    wherein the step of implementing a data processor further comprises the step of applying a set of preliminary rules to said preliminary information to determine said accident type.

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