Computerized method and system for adjusting liability estimation factors in an accident liability assessment program
First Claim
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1. A method, comprising:
- providing a computer system, configured to access a memory, wherein the memory comprises;
sets of characteristics for past or theoretical vehicle accidents involving two or more vehicles, wherein the sets of characteristics for the past or theoretical accident comprise two or more pairs of impact points for the past or theoretical accidents, wherein, for each of at least one of the pairs for the past or theoretical accidents, one impact point of the pair is an impact point for a first vehicle in a past or theoretical vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the past or theoretical vehicle accident;
at least one base liability associated with each of at least two of the pairs of impact points for the past or theoretical vehicle accidents; and
one or more estimates of an effect on liability of one or more factors relating to at least past or theoretical vehicle accident;
providing to the computer system one or more adjustments to the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident;
storing the one or more adjustments in the memory in association with the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; and
determining an estimate of liability for a real vehicle accident, wherein determining the estimate of liability for the real vehicle accident comprises;
specifying a roadway configuration for the real vehicle accident;
specifying an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the vehicle accident;
specifying a pair of impact points for the real vehicle accident, wherein one of the impact points of the pair is an impact point for a first vehicle in the real vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the real vehicle accident;
the computer system searching, from within a first database table having the pairs of impact points for the past or theoretical accidents, for a pair of impact points associated with the roadway configuration specified for the real vehicle accident and the accident type specified for the real vehicle accident that at least partially matches the pair of impact points specified for the real vehicle accident; and
estimating, as a proportion of the total liability for the accident, the liability of an insured party involved in the accident the liability, wherein estimating the liability comprises;
the computer system extracting, from a second database table, a base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident; and
the computer system determining an estimate of liability by applying, to at least one base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident, at least one of the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident, wherein the applied at least one estimate of the effect on liability is adjusted by at least one of the stored adjustments to the one or more estimates of the effect on the liability.
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Abstract
Methods and systems are provided for determining inconsistencies between two or more sets of characteristics relating to an accident. In an embodiment, sets of characteristics relating to an accident may be used to determine liability in the accident. The at least one of the sets of characteristics may be determined from witness statements. The at least one set of characteristics determined from witness statements may be compare to other sets of characteristics determined from witness statements or to other sets of characteristics determined in other ways. The comparison may determine if there are inconsistencies in the sets of characteristics.
158 Citations
19 Claims
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1. A method, comprising:
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providing a computer system, configured to access a memory, wherein the memory comprises; sets of characteristics for past or theoretical vehicle accidents involving two or more vehicles, wherein the sets of characteristics for the past or theoretical accident comprise two or more pairs of impact points for the past or theoretical accidents, wherein, for each of at least one of the pairs for the past or theoretical accidents, one impact point of the pair is an impact point for a first vehicle in a past or theoretical vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the past or theoretical vehicle accident; at least one base liability associated with each of at least two of the pairs of impact points for the past or theoretical vehicle accidents; and one or more estimates of an effect on liability of one or more factors relating to at least past or theoretical vehicle accident; providing to the computer system one or more adjustments to the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; storing the one or more adjustments in the memory in association with the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; and determining an estimate of liability for a real vehicle accident, wherein determining the estimate of liability for the real vehicle accident comprises; specifying a roadway configuration for the real vehicle accident; specifying an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the vehicle accident; specifying a pair of impact points for the real vehicle accident, wherein one of the impact points of the pair is an impact point for a first vehicle in the real vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the real vehicle accident; the computer system searching, from within a first database table having the pairs of impact points for the past or theoretical accidents, for a pair of impact points associated with the roadway configuration specified for the real vehicle accident and the accident type specified for the real vehicle accident that at least partially matches the pair of impact points specified for the real vehicle accident; and estimating, as a proportion of the total liability for the accident, the liability of an insured party involved in the accident the liability, wherein estimating the liability comprises; the computer system extracting, from a second database table, a base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident; and the computer system determining an estimate of liability by applying, to at least one base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident, at least one of the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident, wherein the applied at least one estimate of the effect on liability is adjusted by at least one of the stored adjustments to the one or more estimates of the effect on the liability. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system, comprising:
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a CPU; a data memory coupled to the CPU, wherein the data memory comprises; sets of characteristics for past or theoretical vehicle accidents involving two or more vehicles, wherein the sets of characteristics for the past or theoretical accident comprise two or more pairs of impact points for the past or theoretical accidents, wherein, for each of at least one of the pairs for the past or theoretical accidents, one impact point of the pair is an impact point for a first vehicle in a past or theoretical vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the past or theoretical vehicle accident; at least one base liability associated with each of at least two of the pairs of impact points for the past or theoretical vehicle accidents; and one or more estimates of an effect on liability of one or more factors relating to at least one past or theoretical vehicle accident; 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 one or more adjustments to the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; storing the one or more adjustments in the data memory in association with the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; and determining an estimate of liability for a real vehicle accident, wherein determining the estimate of liability for the real vehicle accident comprises; specifying a roadway configuration for the real vehicle accident; specifying an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the vehicle accident; specifying a pair of impact points for the real vehicle accident, wherein one of the impact points of the pair is an impact point for a first vehicle in the real vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the real vehicle accident; the computer system searching, from within a first database table having the pairs of impact points for the past or theoretical accidents, for a pair of impact points associated with the roadway configuration specified for the real vehicle accident and the accident type specified for the real vehicle accident that at least partially matches the pair of impact points specified for the real vehicle accident; and estimating, as a proportion of the total liability for the accident, the liability of an insured party involved in the accident the liability, wherein estimating the liability comprises; the computer system extracting, from a second database table, a base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident; and the computer system determining an estimate of liability by applying, to at least one base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident, at least one of the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident, wherein the applied at least one estimate of the effect on liability is adjusted by at least one of the stored adjustments to the one or more estimates of the effect on the liability.
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15. The system of 14, wherein the base liability associated with at least one of the at least two of the pairs of impact points for the past or theoretical accidents is estimated by one or more expert claims adjusters through a knowledge acquisition process.
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16. The system of 14, wherein the method further comprises determining which of at least two vehicles in the real vehicle accident had the right of way, wherein the base liability associated with at least one of the pairs of impact points comprises at least a first value for base liability corresponding to the first vehicle having the right of way in the vehicle accident and at least a second value for base liability corresponding to the second vehicle having the right of way in the vehicle accident.
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17. A computer readable storage medium comprising program instructions stored thereon, wherein the program instructions are computer-executable to implement a method comprising:
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providing a computer system, configured to access a memory, wherein the memory comprises; sets of characteristics for past or theoretical vehicle accidents involving two or more vehicles, wherein the sets of characteristics for the past or theoretical accident comprise two or more pairs of impact points for the past or theoretical accidents, wherein, for each of at least one of the pairs for the vast or theoretical accidents, one impact point of the pair is an impact point for a first vehicle in a past or theoretical vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the past or theoretical vehicle accident; at least one base liability associated with each of at least two of the pairs of impact points for the past or theoretical vehicle accidents; and one or more estimates of an effect on liability of one or more factors relating to at least one past or theoretical vehicle accident; providing to the computer system one or more adjustments to the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; storing the one or more adjustments in the memory in association with the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident; and determining an estimate of liability for a real vehicle accident, wherein determining the estimate of liability for the real vehicle accident comprises; specifying a roadway configuration for the real vehicle accident; specifying an accident type for the real vehicle accident, wherein the accident type for the real vehicle accident specifies a relationship between two or more vehicles'"'"' paths on a roadway at the time of the vehicle accident; specifying a pair of impact points for the real vehicle accident, wherein one of the impact points of the pair is an impact point for a first vehicle in the real vehicle accident and the other impact point of the pair is an impact point for a second vehicle in the real vehicle accident; the computer system searching, from within a first database table having the pairs of impact points for the past or theoretical accidents, for a pair of impact points associated with the roadway configuration specified for the real vehicle accident and the accident type specified for the real vehicle accident that at least partially matches the pair of impact points specified for the real vehicle accident; and estimating, as a proportion of the total liability for the accident, the liability of an insured party involved in the accident the liability, wherein estimating the liability comprises; the computer system extracting, from a second database table, a base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident; and the computer system determining an estimate of liability by applying, to at least one base liability associated with at least one pair of impact points for the past or theoretical accidents that at least partially matches the specified pair of impact points for the real vehicle accident, at least one of the one or more estimates of the effect on the liability of the one or more factors relating to the at least one past or theoretical vehicle accident, wherein the applied at least one estimate of the effect on liability is adjusted by at least one of the stored adjustments to the one or more estimates of the effect on the liability. - View Dependent Claims (18, 19)
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Specification