Computerized method and system for adjusting liability estimates in an accident liability assessment program
First Claim
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1. A method, comprising:
- providing to a computer system an estimate of a proportion of responsibility of a party for each of two or more past or theoretical vehicle accidents, each estimate comprising a proportion of responsibility for the accident that can be attributed to at least one party involved in the accident;
wherein the computer system is configured to access a memory, wherein the memory comprises a set of characteristics for the past or theoretical vehicle accidents, wherein the characteristics describe the past or theoretical vehicle accidents;
storing each of the estimates of the proportion of responsibility in the memory in association with one of the sets of characteristics for the past or theoretical vehicle accidents;
the computer system comparing a set of characteristics for a real vehicle accident to sets of characteristics associated with two or more of the past or theoretical vehicle accidents to determine the nearest matching set of characteristics among the sets of characteristics associated with the past or theoretical vehicle accidents, wherein the characteristics for the real vehicle accident describe the real vehicle accident, wherein the comparison to determine the nearest matching set of characteristics comprises comparing a roadway configuration for the real vehicle accident to roadway configurations for the past or theoretical vehicle accidents, comparing an accident type for the real vehicle accident to accident types for the past or theoretical vehicle accidents, and comparing a pair of impact points for the real vehicle accident to pairs of impact points for the past or theoretical accidents; and
the computer system determining, when possible, an estimate of a proportion of responsibility that can be attributed to at least one party involved in the real vehicle accident, wherein the estimate of the proportion of responsibility for the real vehicle accident is based, at least in part, on the estimate of the proportion of responsibility for the past or theoretical vehicle accident whose associated set of characteristics most nearly matches the set of characteristics for the real vehicle accident.
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Abstract
Methods and systems are provided for estimating liability in an accident. In one embodiment, liability estimation in a vehicle accident may be based on a plurality of characteristics that describe the accident. The liability may be determined from characteristics including: conditions of vehicles in the accident, conditions of drivers in the accident, actions of drivers in the accident, and/or environmental conditions in the accident. The characteristics from an actual accident may be compared to those in a past or theoretical accident. Liability may be estimated from a preassigned liability associated with a nearest matching past or theoretical accident.
122 Citations
20 Claims
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1. A method, comprising:
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providing to a computer system an estimate of a proportion of responsibility of a party for each of two or more past or theoretical vehicle accidents, each estimate comprising a proportion of responsibility for the accident that can be attributed to at least one party involved in the accident; wherein the computer system is configured to access a memory, wherein the memory comprises a set of characteristics for the past or theoretical vehicle accidents, wherein the characteristics describe the past or theoretical vehicle accidents; storing each of the estimates of the proportion of responsibility in the memory in association with one of the sets of characteristics for the past or theoretical vehicle accidents; the computer system comparing a set of characteristics for a real vehicle accident to sets of characteristics associated with two or more of the past or theoretical vehicle accidents to determine the nearest matching set of characteristics among the sets of characteristics associated with the past or theoretical vehicle accidents, wherein the characteristics for the real vehicle accident describe the real vehicle accident, wherein the comparison to determine the nearest matching set of characteristics comprises comparing a roadway configuration for the real vehicle accident to roadway configurations for the past or theoretical vehicle accidents, comparing an accident type for the real vehicle accident to accident types for the past or theoretical vehicle accidents, and comparing a pair of impact points for the real vehicle accident to pairs of impact points for the past or theoretical accidents; and the computer system determining, when possible, an estimate of a proportion of responsibility that can be attributed to at least one party involved in the real vehicle accident, wherein the estimate of the proportion of responsibility for the real vehicle accident is based, at least in part, on the estimate of the proportion of responsibility for the past or theoretical vehicle accident whose associated set of characteristics most nearly matches the set of characteristics for the real vehicle accident. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 16, 17, 18, 19, 20)
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14. A system, comprising:
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a CPU; a data memory coupled to the CPU; and a system memory coupled to the CPU, wherein the system memory is configured to store one or more computer programs executable by the CPU, and wherein the computer programs are executable to implement a method for estimating liability, the method comprising; providing an estimate of a proportion of responsibility of a party for each of two or more past or theoretical vehicle accidents, each estimate comprising a proportion of responsibility for the accident that can be attributed to one party involved in the accident; wherein the data memory comprises sets of characteristics for the past or theoretical vehicle accidents, wherein the characteristics describe the past or theoretical vehicle accidents; storing each of the estimates of the proportion of responsibility in the data memory in association with one of the sets of characteristics for the past or theoretical vehicle accidents; and comparing a set of characteristics for a real vehicle accident to sets of characteristics associated with two or more of the past or theoretical vehicle accidents to determine the nearest matching set of characteristics among the sets of characteristics associated with the past or theoretical vehicle accidents, wherein the characteristics for the real vehicle accident describe the real vehicle accident, wherein the comparison to determine the nearest matching set of characteristics comprises comparing a roadway configuration for the real vehicle accident to roadway configurations for the past or theoretical vehicle accidents, comparing an accident type for the real vehicle accident to accident types for the past or theoretical accidents, and comparing a pair of impact points for the real vehicle accident to pairs of impact points for the past or theoretical accidents; and determining, when possible, an estimate of a proportion of responsibility that can be attributed to at least one party involved in the real vehicle accident, wherein the estimate of the proportion of responsibility for the real vehicle accident is based, at least in part, on the estimate of the proportion of responsibility for the past or theoretical vehicle accident whose associated set of characteristics most nearly matches the set of characteristics for the real vehicle accident.
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15. A computer readable storage medium comprising program instructions stored thereon, wherein the program instructions are computer-executable to implement a method of estimating liability for a vehicle accident, the method comprising:
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providing to a computer system an estimate of a proportion of responsibility of a party for each of two or more past or theoretical vehicle accidents, each estimate comprising a proportion of responsibility for the accident that can be attributed to one party involved in the accident; wherein the computer system is configured to access a memory, wherein the memory comprises a set of characteristics for the past or theoretical vehicle accidents, wherein the characteristics describe the past or theoretical vehicle accidents; storing each of the estimates of the proportion of responsibility in the memory in association with one of the sets of characteristics for the past or theoretical vehicle accidents; comparing a set of characteristics for a real vehicle accident to sets of characteristics associated with two or more of the past or theoretical vehicle accidents to determine the nearest matching set of characteristics among the sets of characteristics associated with the past or theoretical vehicle accidents, wherein the characteristics for the real vehicle accident describe the real vehicle accident, wherein the comparison to determine the nearest matching set of characteristics comprises comparing a roadway configuration for the real vehicle accident to roadway configurations for the past or theoretical accidents, comparing an accident type for the real vehicle accident to accident types for the past or theoretical accidents, and comparing a pair of impact points for the real vehicle accident to pairs of impact points for the past or theoretical accidents; and determining, when possible, an estimate of a proportion of responsibility that can be attributed to at least one party involved in the real vehicle accident, wherein the estimate of the proportion of responsibility for the real vehicle accident is based, at least in part, on the estimate of the proportion of responsibility for the past or theoretical vehicle accident whose associated set of characteristics most nearly matches the set of characteristics for the real vehicle accident.
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Specification