Systems and methods for automobile total loss calculations
First Claim
1. A computer system for performing total loss calculations comprising:
- a total loss engine computer system; and
a storage device operatively coupled to the total loss engine computer system, wherein the storage device includes a total loss application program having instructions operative to instruct the total loss engine computer system to;
receive a valid claim number and a state selection entered on a main menu of a total loss calculator application by a user for a vehicle that has been totaled;
request, based on the state selection, state jurisdictional data and state tax rate data for the totaled vehicle;
provide access to the user to a plurality of total loss calculator data input fields, selection buttons, and a state guidelines viewer on the main menu;
receive an instruction to calculate a total loss amount based on data entered by the user in the main menu;
determine that all required data has been entered;
calculate a net total amount for the totaled vehicle including a first net total amount in a case where an insurance company obtains the vehicle and a second net total amount in a case where an owner retains the vehicle, the first and second net total amounts calculated based on application of a plurality of fee rules associated with the state jurisdictional data, the state tax rate data, and said state selection; and
provide the net total amount to the user, wherein the first net total amount is provided in the case where the insurance company obtains the vehicle and the second net total amount is provided in the case where the owner retains the vehicle; and
a vehicle rental computer system, operatively coupled to the total loss engine computer system, configured to determine, based at least on the state selection, and provide to the user, one or both of an estimate of a number of days and a fair price that the insurance company will pay for rental of a rental vehicle by the owner of the totaled vehicle.
1 Assignment
0 Petitions
Accused Products
Abstract
Described are computer systems, methods, apparatus, and computer-readable data storage media storing instructions for performing a vehicle total loss calculation. In an embodiment, a computer system for performing total loss calculations includes a total loss engine computer and a storage device operatively coupled to the total loss engine computer. The storage device includes a total loss application program having instructions operative to instruct the total loss engine computer to receive a valid claim number and a state selection entered on a main menu of a total loss calculator application by a user for a vehicle that has been totaled. The instructions also instruct the total loss engine computer to provide access to the user to a plurality of total loss calculator data input fields, selection buttons, and a state guidelines viewer on the main menu, to receive an instruction to calculate a total loss amount based on data entered by the user in the main menu, to determine that all required data has been entered, to calculate a net total amount for the totaled vehicle, and to provide the net total amount to the user.
-
Citations
24 Claims
-
1. A computer system for performing total loss calculations comprising:
-
a total loss engine computer system; and a storage device operatively coupled to the total loss engine computer system, wherein the storage device includes a total loss application program having instructions operative to instruct the total loss engine computer system to; receive a valid claim number and a state selection entered on a main menu of a total loss calculator application by a user for a vehicle that has been totaled; request, based on the state selection, state jurisdictional data and state tax rate data for the totaled vehicle; provide access to the user to a plurality of total loss calculator data input fields, selection buttons, and a state guidelines viewer on the main menu; receive an instruction to calculate a total loss amount based on data entered by the user in the main menu; determine that all required data has been entered; calculate a net total amount for the totaled vehicle including a first net total amount in a case where an insurance company obtains the vehicle and a second net total amount in a case where an owner retains the vehicle, the first and second net total amounts calculated based on application of a plurality of fee rules associated with the state jurisdictional data, the state tax rate data, and said state selection; and provide the net total amount to the user, wherein the first net total amount is provided in the case where the insurance company obtains the vehicle and the second net total amount is provided in the case where the owner retains the vehicle; and a vehicle rental computer system, operatively coupled to the total loss engine computer system, configured to determine, based at least on the state selection, and provide to the user, one or both of an estimate of a number of days and a fair price that the insurance company will pay for rental of a rental vehicle by the owner of the totaled vehicle. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A method for providing a vehicle total loss solution comprising:
-
receiving, by a total loss processor, a valid claim number and a state selection entered on a main menu of a total loss calculator application by a user for a vehicle that has been totaled; requesting, based on the state selection, state jurisdictional data and state tax rate data for the totaled vehicle; providing access to the user on the main menu to a plurality of total loss calculator data input fields, at least one selection button, and a state guidelines viewer; receiving, by the processor, an instruction to calculate a total loss amount based on data entered by the user in the data input fields; determining that all required data has been entered; calculating, by the total loss processor, a net total amount for the totaled vehicle including a first net total amount in a case where an insurance company obtains the vehicle and a second net total amount in a case where an owner retains the vehicle, the first and second net total amounts calculated based on an application of a plurality of fee rules associated with the state jurisdictional data, the state tax rate data, and said state selection; providing the net total amount to the user, wherein the first net total amount is provided in the case where the insurance company obtains the vehicle and the second net total amount is provided in the case where the owner retains the vehicle; and determining and providing to the user, by a vehicle rental computer system coupled to the total loss processor and based at least on the state selection, one or both of an estimate of a number of days and a fair price that the insurance company will pay for rental of a rental vehicle by the owner of the totaled vehicle. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
-
-
17. A computer readable medium storing non-transitory instructions for controlling one or more processors comprising a total loss processor and a vehicle rental system processor, the instructions configured to cause the total loss processor to:
-
receive a valid claim number and a state selection entered on a main menu of a total loss calculator application by a user for a vehicle that has been totaled; request, based on the state selection, state jurisdictional data and state tax rate data for the totaled vehicle; provide access to the user to a plurality of total loss calculator data input fields, selection buttons, and a state guidelines viewer on the main menu; receive an instruction to calculate a total loss amount based on data entered by the user in the main menu; determine that all required data has been entered; calculate a net total amount for the totaled vehicle including a first net total amount in a case where an insurance company obtains the vehicle and a second net total amount in a case where an owner retains the vehicle, the first and second net total amounts calculated based on application of a plurality of fee rules associated with the state jurisdictional data, the state tax rate data, and said state selection; provide the net total amount to the user, wherein the first net total amount is provided in the case where the insurance company obtains the vehicle and the second net total amount is provided in the case where the owner retains the vehicle; and the instructions configured to cause the vehicle rental system processor to determine and provide to the user, based on the state selection, one or both of an estimate of a number of days and a fair price that the insurance company will pay for rental of a rental vehicle by the owner of the totaled vehicle. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
-
Specification