First Notice Of Loss reporting with integrated claim processing
First Claim
1. An insurance claim processing method, comprising:
- establishing a communication session over a communication link between a first location for a first insured and a claim processing location,receiving a first notice of loss communication from the first location at the claim processing location during the communication session over the communication link, wherein the notice of loss message is a first communication to report a loss that includes information that identifies a policy and the nature of the loss,receiving item identification information about a series of different items affected by the loss from the first location at the claim processing location through the communication link during the communication session, andaccessing insurance valuation information about the items at the claim processing location during the communication session.
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Abstract
In one general aspect, an insurance claim processing method is disclosed. It includes establishing a communication session over a communication link between a first location for a first insured and a claim processing location, and receiving a first notice of loss communication from the first location at the claim processing location during the communication session over the communication link. It also includes receiving item identification information about a series of different items affected by the loss from the first location at the claim processing location through the communication link, and accessing insurance valuation information about the items at the claim processing location during the communication session.
50 Citations
41 Claims
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1. An insurance claim processing method, comprising:
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establishing a communication session over a communication link between a first location for a first insured and a claim processing location, receiving a first notice of loss communication from the first location at the claim processing location during the communication session over the communication link, wherein the notice of loss message is a first communication to report a loss that includes information that identifies a policy and the nature of the loss, receiving item identification information about a series of different items affected by the loss from the first location at the claim processing location through the communication link during the communication session, and accessing insurance valuation information about the items at the claim processing location during the communication session. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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2. The method of claim further including the step of transmitting an acknowledgement about the insurance valuation information from the claim processing location to the first location during the communication session.
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21. A computer-based insurance claim processing apparatus, comprising:
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at least one policy selection control, at least one loss claim initiation control responsive to user actuation to initiate a claim record for a policy selected using the policy selection control, and at least one item valuation information access control operative to access valuation information for a claim and associate the information with a claim record initiated by the claim initiation control. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29)
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30. A computer-based insurance claim processing apparatus, comprising:
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means for establishing a communication session over a communication link between a first location for a first insured and a claim processing location, means for receiving a first notice of loss communication from the first location at the claim processing location during the communication session over the communication link, wherein the notice of loss message is a first communication to report a loss that includes information that identifies a policy and the nature of the loss, means for receiving item identification information about a series of different items affected by the loss from the first location at the claim processing location through the communication link during the communication session, and means for accessing insurance valuation information about the items at the claim processing location during the communication session.
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31. An insurance claim processing method, comprising:
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storing a series of prompt records each including prompt text that prompts for information related to a contents loss, statistically processing stored historical claim loss information, and ordering the prompts according to statistical information derived in the step of statistically processing. - View Dependent Claims (32, 33)
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34. A computer-based insurance claim processing apparatus, comprising:
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storage for a series of prompt records each including prompt text that prompts for information related to a contents loss, a statistical processor responsive to stored historical claim loss information, and ordering logic operative to order the prompts stored in the storage according to statistical information derived from the statistical processor. - View Dependent Claims (35)
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36. A computer-based insurance claim processing apparatus, comprising:
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means for storing a series of prompt records each including prompt text that prompts for information related to a contents loss, means for statistically processing stored historical claim loss information, and means for ordering the prompts according to statistical information derived by the means for statistically processing.
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37. An insurance claim processing method, comprising:
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receiving an item identification, prompting for valuation for the item received in the item identification in response to the step of receiving an item identification, receiving a response to the step of prompting, and automatically determining, based on a response received in the step of responding, whether to prompt for further item valuation information or to prompt for fraud detection. - View Dependent Claims (38)
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39. A computer-based insurance claim processing apparatus, comprising:
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prompting logic operative to prompt for valuation for an identified item, and determination logic operative to automatically determine, based on a response received for prompts from the prompting logic, whether the prompting logic should prompt for further item valuation information or should prompt for fraud detection. - View Dependent Claims (40)
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41. A computer-based insurance claim processing apparatus, comprising:
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means for receiving an item identification, means for prompting for valuation for the item received in the item identification in response to the means for receiving an item identification, means for receiving a response to the means for prompting, and means for automatically determining, based on a response received by the means for receiving a response, whether to prompt for further item valuation information or to prompt for fraud detection.
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Specification