Systems and methods for early identification of a total loss vehicle
First Claim
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1. A computer-assisted method for identifying a likely total loss vehicle comprising:
- prior to a physical inspection of a vehicle by an insurance provider to generate repair estimate data, receiving data originating from a customer describing events a vehicle went through by prompting a plurality of questions regarding the events the vehicle went through, and receiving a response to the plurality of questions;
a computing system applying non-monetary weights to the data based on the response to each question;
the computing system determining a cumulative value representing the non-monetary weights applied to the data;
the computing system analyzing the data using a data processor to determine whether the data meets a predetermined threshold value indicating a likelihood of total loss by comparing the cumulative value to the threshold and classifying the vehicle as a likely total loss if the cumulative value exceeds the threshold;
the computing system automatically generating a total loss assignment when the value exceeds the threshold;
the computing system electronically transmitting the total loss assignment to an entity corresponding to the total loss assignment;
the computing system selecting a method of inspection when the cumulative value does not meet the threshold;
the computing system automatically generating a method of inspection assignment when the cumulative value does not meet the threshold; and
the computing system electronically transmitting the method of inspection assignment to an entity corresponding to the method of inspection assignment.
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Abstract
Systems and methods implement a rules-based decision engine that identifies vehicles with a high total loss potential based on vehicle details and damage information. This can be done by applying weights to the various criteria and comparing a sum of the applied weights to a threshold. An update mode allows for the subsequent update of the determination of whether the vehicle is a likely total loss based on additionally acquired information.
38 Citations
20 Claims
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1. A computer-assisted method for identifying a likely total loss vehicle comprising:
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prior to a physical inspection of a vehicle by an insurance provider to generate repair estimate data, receiving data originating from a customer describing events a vehicle went through by prompting a plurality of questions regarding the events the vehicle went through, and receiving a response to the plurality of questions; a computing system applying non-monetary weights to the data based on the response to each question; the computing system determining a cumulative value representing the non-monetary weights applied to the data; the computing system analyzing the data using a data processor to determine whether the data meets a predetermined threshold value indicating a likelihood of total loss by comparing the cumulative value to the threshold and classifying the vehicle as a likely total loss if the cumulative value exceeds the threshold; the computing system automatically generating a total loss assignment when the value exceeds the threshold; the computing system electronically transmitting the total loss assignment to an entity corresponding to the total loss assignment; the computing system selecting a method of inspection when the cumulative value does not meet the threshold; the computing system automatically generating a method of inspection assignment when the cumulative value does not meet the threshold; and the computing system electronically transmitting the method of inspection assignment to an entity corresponding to the method of inspection assignment. - View Dependent Claims (2, 3)
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4. A computer-assisted method for identifying a likely total loss vehicle comprising:
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prior to a physical inspection of a vehicle by an insurance provider to generate repair estimate data, receiving in a memory of a data processing system, data from a customer describing events the customer'"'"'s vehicle went through; the data processing system assigning non-monetary weights to the data stored in the memory; the data processing system determining a cumulative value representing the non-monetary weights assigned to the data; the data processing system comparing the cumulative value to a threshold value to determine whether the vehicle is a likely total loss; and the data processing system outputting a notification from the data processing system indicating the vehicle is a likely total loss when the data meets the threshold. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12)
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13. A non-transitory computer readable storage media storing computer executable instructions that, when executed, perform a method for identifying a likely total loss vehicle, said method comprising:
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prior to a physical inspection of a vehicle by an insurance provider to generate repair estimate data, inputting data received from a customer corresponding to damaging events the vehicle went through, into an automated system; analyzing the data using the automated system to determine whether the data meets a threshold of a likelihood of total loss; automatically generating a total loss assignment when the vehicle is a likely total loss; and transmitting the total loss assignment to an entity corresponding to the total loss assignment. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20)
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Specification