COMPUTER SYSTEMS AND METHODS FOR ASSISTING ACCIDENT VICTIMS WITH INSURANCE CLAIMS

• US 20090234678A1
• Filed: 03/10/2009
• Published: 09/17/2009
• Est. Priority Date: 03/11/2008
• Status: Abandoned Application

• Current Assignee: Arenas Claims Consulting Incorporated
• Original Assignee: Arenas Claims Consulting Incorporated
• Inventors: Arenas, Robert F.
• Application Number:
  US12/401,537
• Publication Number:
  US 20090234678A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems and methods for assisting loss participants with insurance claims may provide functionality for loss participants to create reports about losses. Each loss report may include media such as text, images, and video that documents the loss. The systems and methods may provide functionality for users to electronically submit the loss report to other entities, such as an insurer, an adjuster, an attorney, friends or family, and the like. Adjusters may also create loss reports or may request reports from technicians who specialize in creating loss reports. By virtue of the systems and methods being related to loss reporting, the systems and methods may select loss-related ads for presentation to users. These ads may be further targeted to users based at least partly on the loss information provided by users. For instance, the ads can be for items that correspond to one or more effects of a user'"'"'s loss.

Claims

1. A server system for offering targeted advertisements in connection with a loss report, the server system comprising:

a loss reporting system comprising a loss report module and an advertising module, the loss report module operative to;

output a loss report interface for presentation to a user, the loss report interface configured to provide functionality for the user to create a loss report by inputting data corresponding to a loss, the loss data comprising one or more of at least one image, at least one video, and text, and

provide functionality for the user to electronically submit the loss report to one or more entities, the one or more entities comprising one or more of the following;

a claim adjuster, an insurer, and an attorney; and

the advertising module comprising computer hardware, the advertising module comprising;

a loss data mining module configured to analyze the loss data to determine one or more of a characteristic of the loss and a characteristic of the user, and

an advertisement selector configured to obtain a loss-related advertisement based at least partly on a loss-reporting attribute of the loss reporting system and on one or more of the loss characteristic and the user characteristic, such that the advertisement is for an item that corresponds to one or more effects of the loss.

2. The server system of claim 1, wherein the user characteristic comprises a type of the user, and wherein the advertisement selector is further configured to select the advertisement based at least partly on the user type.

3. The server system of claim 1, wherein the user characteristic comprises a geographic location associated with the user, and wherein the advertisement selector is further configured to select the advertisement based at least partly on the geographic location.

4. The server system of claim 1, wherein the loss characteristic comprises a type of the loss, and wherein the advertisement selector is further configured to select the advertisement based at least partly on the loss type.

5. The server system of claim 1, wherein the loss characteristic comprises a severity of the loss, and wherein the advertisement selector is further configured to select the advertisement based at least partly on the loss severity.

6. The server system of claim 1, wherein the item comprises a service.

7. The server system of claim 1, wherein the advertisement selector is further configured to obtain the loss-related advertisement based on a claim characteristic.

8. A computer-readable storage medium having instructions stored thereon that cause one or more processors to perform a method of offering targeted advertisements in connection with a loss report, the method comprising:

outputting one or more loss report interfaces using a network application for presentation to a user, the one or more loss report interfaces configured to provide functionality for the user to create a loss report by inputting data corresponding to a loss, the loss data comprising one or more of at least one image, at least one video, and text;

providing functionality for the user to electronically submit the loss report to one or more entities, the one or more entities comprising one or more of the following;

a claim adjuster, an insurer, and an attorney; and

using one or more processors to obtain a loss-related advertisement based at least partly on a loss-reporting attribute of the network application and on one or more of loss, user, and claim information mined from the loss data, such that the advertisement is for an item that corresponds to one or more effects of the loss.

9. The computer-readable storage medium of claim 8, wherein the method further comprises providing functionality for the user to submit an insurance claim comprising the loss report.

10. The computer-readable storage medium of claim 8, wherein said using one or more processors to obtain a loss-related advertisement comprises obtaining the loss-related advertisement based at least partly on a type of the loss.

11. The computer-readable storage medium of claim 8, wherein said using one or more processors to obtain a loss-related advertisement comprises obtaining the loss-related advertisement based at least partly on a user type of the user.

12. The computer-readable storage medium of claim 8, wherein said using one or more processors to obtain a loss-related advertisement comprises obtaining the loss-related advertisement based at least partly on a stage of a claim.

22. The computer-readable storage medium of claim 8, further comprising providing functionality for the user to email the loss report to other users and marketing one or more advertisements to the other users who receive the loss report.

13. A processor-implemented method of advertising insurance, the method comprising:

providing a loss-reporting network application comprising a loss report interface, the loss report interface configured to provide functionality for a user to create a loss report by inputting data corresponding to a loss, the loss data comprising one or more of at least one image, at least one video, and text;

receiving an indication of a type of the loss;

using one or more processors to select an advertisement based at least partly on the type of the loss, the advertisement comprising a logo of an insurer that provides insurance for the loss type; and

automatically embedding the advertisement in the loss data.

14. The method of claim 13, wherein said using one or more processors to select the advertisement further comprises selecting the advertisement based at least partly on a loss-reporting attribute of the network application.

15. The method of claim 13, wherein the user is a claim adjuster.

16. The method of claim 13, wherein said automatically embedding the advertisement in the loss data comprises inserting the advertisement in the at least one image.

23. The method of claim 13, wherein the advertisement comprises the logo of the user'"'"'s insurer.

17. A loss reporting system, the loss reporting system comprising:

a loss report module operative to output a loss report interface for presentation to a user, the loss report interface configured to provide functionality for the user to prepare a loss report by inputting loss data corresponding to a loss;

a training module operative to electronically provide instructions for preparing the loss report to the user, such that the loss report includes information relevant to an insurance claim; and

an advertising module comprising computer hardware, the advertising module configured to use loss information to obtain an advertisement targeted to the user, the advertisement being for an item that corresponds to one or more effects of the loss.

18. The loss reporting system of claim 17, wherein the training module is further operative to provide traffic light timing instructions.

19. The loss reporting system of claim 17, wherein the training module is further operative to provide traffic light sequencing instructions.

20. The loss reporting system of claim 17, wherein the loss report comprises functionality for the one or more entities to collaborate on the loss report.

21. The loss reporting system of claim 17, wherein the advertising module is further configured to obtain the advertisement based at least in part on one or more of loss, user, and claim characteristics derived from the loss information.