System and method for providing automated accident management services

• US 20050021374A1
• Filed: 07/22/2004
• Published: 01/27/2005
• Est. Priority Date: 07/25/2003
• Status: Abandoned Application

• Current Assignee: Komron Michael Allahyari
• Original Assignee: Komron Michael Allahyari
• Inventors: Allahyari, Komron Michael
• Application Number:
  US10/897,208
• Publication Number:
  US 20050021374A1
• Time in Patent Office: Days
• US Class Current: 705/2
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 30/0283 Price estimation or determination
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

An accident management service is presented. The service collects accident-related information for an accident person. Based on the collected information, the service generates a settlement value and supporting settlement forms and/or letters. In one embodiment, the service generates the settlement value by determining a settlement rating. Medical costs in the accident-related information are then multiplied by the settlement rating and non-medical damages are added to the product of the multiplication to generate the settlement value. In an alternative embodiment, a baseline value is determined for the accident person'"'"'s medical conditions identified in the accident-related information. For each day of the medical conditions, the baseline value is added to a current total. Additionally, the current total is adjusted according to whether the pain for that day is above or below an average pain level.

Claims

1. A computer-implemented method for generating settlement information for an accident person in regard to an accident, the method comprising:

at a computer;

collecting accident-related information for the accident person;

determining a settlement function by which a settlement value may be derived from the collected accident-related information; and

applying the settlement function to the accident-related information, thereby generating a settlement value for the accident person.

2. The computer-implemented method of claim 1 further comprising generating settlement documents based on the collected accident-related information in support of the settlement value.

3. The computer-implemented method of claim 1, wherein the accident-related information comprises medical costs, and wherein determining the settlement function by which the settlement value may be derived from the collected accident-related information comprises:

determining a settlement rating; and

multiplying the medical costs by the settlement rating.

4. The computer-implemented method of claim 3, wherein the accident-related information further comprises non-medical damages, and wherein determining the settlement function by which the settlement value may be derived from the collected accident-related information further comprises adding the non-medical damages to the product of multiplying the medical costs by the settlement rating.

5. The computer-implemented method of claim 4, wherein determining a settlement rating comprises:

determining a plurality of accident-related ratings according to the accident-related information; and

averaging the plurality of accident-related ratings as the settlement rating.

6. The computer-implemented method of claim 5, wherein averaging the plurality of accident-related ratings as the settlement rating comprises:

obtaining a weighting associated with one of the plurality of accident-related ratings; and

averaging the plurality of accident-related ratings according to the weightings of each of the plurality of accident-related ratings.

7. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises pain severity information, and wherein the plurality of accident-related ratings comprises pain severity rating determined according to the pain severity information.

8. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises accident liability information, and wherein the plurality of accident-related ratings comprises a liability rating determined according to the accident liability information.

9. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises property damage information, and wherein the plurality of accident-related ratings comprises a property damage rating determined according to the property damage information.

10. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises accident safety information, and wherein the plurality of accident-related ratings comprises an accident safety rating determined according to the accident safety information.

11. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises personal injury information relating to the type of personal injuries sustained by the accident person, and wherein the plurality of accident-related ratings comprises a personal injury rating determined according to the personal injury information.

12. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises wage loss information, and wherein the plurality of accident-related ratings comprises a wage loss rating determined according to the wage loss information.

13. The computer-implemented method of claim 5, wherein the plurality of accident-related ratings comprises a documentation rating determined according to the accident-related documentation in the accident-related information.

14. The computer-implemented method of claim 5, wherein the accident-related information comprises further comprises enjoyment loss information, and wherein the plurality of accident-related ratings comprises an enjoyment loss rating determined according to the enjoyment loss information.

15. The computer-implemented method of claim 5, wherein the plurality of accident-related ratings comprises an expectation rating determined according to the accident person'"'"'s settlement expectations.

16. A computer-implemented method for generating settlement information for an accident person in regard to an accident, the method comprising:

at a computer;

collecting accident-related information for the accident person;

obtaining a baseline value for accident-related medical conditions identified in the accident-related information; and

for each day of the medical conditions;

adding the baseline value to a current total; and

adjusting the current total according to whether the pain level for the medical conditions for that day was higher or lower than an average pain level; and

adding non-medical damages to the current total thereby generating the settlement value.

17. The computer-implemented method of claim 16, wherein the baseline value is adjustable by a user.

18. A computer-readable medium bearing computer-executable instructions which, when executed on a computing device, carry out a method for generating settlement information for an accident person in regard to an accident, the method comprising:

collecting accident-related information for the accident person, wherein the accident-related information comprises medical and non-medical damages;

determining a settlement rating derived from the collected accident-related information, wherein the settlement rating is determined by;

determining a plurality of accident-related ratings according to aspects of the accident-related information; and

averaging the plurality of accident-related ratings, thereby determining the settlement rating;

multiplying the medical costs by the settlement rating; and

adding non-medical damages to the product of the medical costs multiplied by the settlement rating.

19. A computer-readable medium bearing computer-executable instructions which, when executed on a computing device, carry out a method for generating settlement information for an accident person in regard to an accident, the method comprising:

collecting accident-related information for the accident person, wherein the accident-related information comprises medical and non-medical damages;

obtaining a baseline value for accident-related medical conditions identified in the accident-related information; and

for each day of the medical conditions;

adding the baseline value to a current total; and

adjusting the current total according to whether the pain level for the medical conditions for that day was higher or lower than an average pain level; and

adding non-medical damages to the current total thereby generating a settlement value.

20. A network-based system for generating settlement information for an accident person in regard to an accident, the system comprising:

an accident person computer for submitting accident-related information to an accident management service for generating settlement information and receiving settlement information from the accident management service; and

an accident management service, communicatively coupled to the user computer via a network connection, wherein the accident management service;

collects accident-related information for the accident person from the accident person computer, wherein the accident-related information comprises medical and non-medical damages;

determines a settlement rating derived from the collected accident-related information, wherein the settlement rating is determined by;

generating a plurality of accident-related ratings according to aspects of the accident-related information; and

averaging the plurality of accident-related ratings, thereby generating the settlement rating;

multiplies the medical costs by the settlement rating;

adds non-medical damages to the product of the medical costs multiplied by the settlement rating, thereby generating a settlement value; and

returns the settlement value to the accident person computer.

21. A network-based system for generating settlement information for an accident person in regard to an accident, the system comprising:

an accident person computer for submitting accident-related information to an accident management service for generating settlement information and receiving settlement information from the accident management service; and

an accident management service, communicatively coupled to the user computer via a network connection, wherein the accident management service;

collects accident-related information for the accident person from the accident person computer, wherein the accident-related information comprises medical and non-medical damages;

obtains a baseline value for accident-related medical conditions identified in the accident-related information; and

for each day of the medical conditions identified in the accident-related information;

adds the baseline value to a current total; and

adjusts the current total according to whether the pain level associated with the medical conditions for that day was higher or lower than an average pain level; and

adds non-medical damages to the current total thereby generating a settlement value.