Rich claim reporting system

• US 8,095,394 B2
• Filed: 05/16/2007
• Issued: 01/10/2012
• Est. Priority Date: 05/18/2006
• Status: Active Grant

• Current Assignee: Progressive Casualty Insurance Company (Progressive Corporation)
• Original Assignee: Progressive Casualty Insurance Company (Progressive Corporation)
• Inventors: Brylinksi, Brian, Nowak, Vikki
• Primary Examiner(s): Colbert, Ella
• Assistant Examiner(s): Malhotra, Sanjeev
• Application Number:
  US11/803,932
• Publication Number:
  US 20080052134A1
• Time in Patent Office: 1,700 Days
• Field of Search: 705/1, 705/4, 705/11, 705/27, 701/29, 701/208, 701/216, 703/8, 707/511, 709/203, 709/209, 709/231, 725/90, 345/110, 345/827, 358/518, 715/515, 706/47, 348/51, 342/22, 250/363.04
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A rich-media system allows a user to illustrate damage and request payment in accordance with an insurance policy or another arrangement. The rich-media system includes network servers that may operate and appear to remote client applications and remote computers as if the network servers were a single computer. A damage indicator tool resident to one of the network servers enables a remote user to visually illustrate damage to an item through a rich-media application. The damage indicator may support a relative pointing device and an absolute pointing device. An incident animator tool linked to the damage indicator tool in some rich media systems enables the remote user to visually recreate an event in a second rich media application. An optional scheduler linked to the incident animator tool and the damage indicator tool may enable the remote user to schedule an appointment to have the damage inspected or repaired.

Claims

1. A rich media method that allows an insured to illustrate damage and request payment in accordance with an insurance policy comprising:

receiving identification data from a remote computer that identifies a user and an insured item;

accessing a rich media application that generates dynamic objects that are transmitted to the remote computer to render an image of the insured item or a portion thereof;

receiving relative or absolute data from the remote computer in response to the user selecting a linked element of the image of the insured item or the portion thereof to identify a damaged area of the insured item;

assigning an indicia to the damaged area of the insured item that corresponds to the relative data or the absolute data;

storing data that identifies the damage to the insured item in a server programmed to receive insurance claims in accordance with an insurance policy; and

transmitting data to the remote computer that renders a graphical user interface at the remote computer that enables the user to visually recreate an event that resulted in the damaged area of the insured item.

2. The rich media method of claim 1 further comprising providing on-line access to a claim management system in which the user may navigate through product pages that allow the user to illustrate damage to the insured item.

3. The rich media method of claim 2 further comprising maintaining image libraries of multiple vehicle platforms in a database that correspond to the insured item.

4. The rich media method of claim 3 where the severity of a damaged area is represented by a plurality of visual elements associated with a level of damage or an indication of a severity of loss.

5. The rich media method of claim 4 further comprising generating an email document when a reporting session is stored and transmitting the email document to the user.

6. The rich media method of claim 4 further comprising illustrating events that lead to the damage and illustrating events that occurred after the damage to the insured item in three dimensions.

7. The rich media method of claim 4 further comprising illustrating events that lead to the damage and events that occurred after the damage to the insured item in four dimensions.

8. The rich media method of claim 7 further comprising providing on-line access to an incident animator tool that is used to illustrate the events that lead to the damage and the events that occurred after the damage through a Web page that provides controls for receiving information automatically.

9. The rich media method of claim 8 where the relative and absolute data are received directly from a vehicle.

10. The rich media method of claim 8 further comprising gathering content-related information related to the events that lead to the damage and the events that occurred after the damage automatically by searching through publicly accessible distributed networks.

11. The rich media method of claim of claim 10 further comprising receiving a request to meet with a representative on a specific day at a specified time.

12. The rich media method of claim 11 further comprising generating an email document and transmitting the email document to the user, the email document including a hyperlink configured such that selection by the user causes information sufficient to identify the user and the requested meeting day to be transmitted to the server.

13. The rich media method of claim 7 further comprising providing an interactive utility that guides the user through each step of an events recreation.

14. The rich media method of claim 1 further comprising transmitting the indicia to the remote computer to render a modified image of the insured item at the remote computer that indicates a damaged area of the insured item.

15. The rich media method of claim 1 where the linked element is overlaid onto or included within the image.

16. The rich media method of claim 1 further comprising generating a menu or toolbar for display at the remote computer that allows the user to select a severity level associated with the damaged area in response to the user selecting the linked element of the image.

17. The rich media method of claim 1 where the act of receiving the relative or absolute data comprises receiving the relative or absolute data by the server.

18. The rich media method of claim 1 where the act of assigning the indicia comprises assigning the indicia by the server.

19. The rich media method of claim 1 where the act of accessing the rich media application comprises accessing the rich media application by the server.

20. The rich media method of claim 1, where the graphical user interface comprises a drag-and-drop interface that includes an incident animator image of the insured item, and where the incident animator image is moveable around the drag-and-drop interface in response to a corresponding movement received from an input device.

21. The rich media method of claim 20, further comprising:

collecting data through the drag-and-drop interface that indicates a relative position of the insured item before impact of the event that resulted in the damaged area of the insured item; and

collecting data through the drag-and-drop interface that indicates a relative position of the insured item at impact of the event that resulted in the damaged area of the insured item.

22. The rich media method of claim 1, where the image comprises a vehicle windshield image, the method further comprising:

transmitting data to the remote computer that renders a graphical user interface at the remote computer that enables the user to interact with the vehicle windshield image to illustrate damage to a windshield of the insured item.

23. A rich media system that allows an insured to illustrate damage and request payment in accordance with an insurance policy comprising:

an interface configured to receive identification data from a remote computer that identifies a user and an insured item;

a server configured to allow access to a rich media application that generates dynamic objects that are transmitted to the remote computer to render an image of the insured item or a portion thereof;

the interface configured to receive relative or absolute data from the remote computer in response to the user selecting a linked element of the image of the insured item or the portion thereof to identify a damaged area of the insured item;

the server hosting a program that assigns an indicia to the damaged area of the insured item that corresponds to the relative data or the absolute data;

the server configured to transmit data to the remote computer that renders a graphical user interface at the remote computer that enables the user to visually recreate an event that resulted in the damaged area of the insured item; and

a database for storing data that identifies the damage to the insured item in a server programmed to receive insurance claims in accordance with an insurance policy.

24. The rich media system of claim 23, where the graphical user interface comprises a drag-and-drop interface that includes an incident animator image of the insured item, and where the incident animator image is moveable around the drag-and-drop interface in response to a corresponding movement received from an input device;

where the server is configured to collect data through the drag-and-drop interface that indicates a relative position of the insured item before impact of the event that resulted in the damaged area of the insured item; and

where the server is configured to collect data through the drag-and-drop interface that indicates a relative position of the insured item at impact of the event that resulted in the damaged area of the insured item.

25. A rich media system that allows an insured to illustrate damage and request payment in accordance with an insurance policy or another formal arrangement comprising:

a plurality of network servers that operate and appear to clients as if the network of servers comprise a single computer;

a damage indicator tool resident to one of the plurality of network servers that enables a remote user to visually illustrate damage to an item through a first rich media application that supports a relative pointing device and an absolute pointing device;

an incident animator tool linked to the damage indicator tool and resident to one of the plurality of network servers that enables the remote user to visually recreate an event in a second rich media application that resulted in the damage to the item; and

a scheduler linked to the incident animator tool and the damage indicator tool and resident to one of the plurality of network servers that enables the remote user to schedule an appointment for an inspection or repair of the illustrated damage to the item through a remote web browser.

26. The rich media system of claim 25 further comprising a wireless interface configured to receive data directly from a vehicle computer that captures vehicle sensor outputs that track vehicle characteristics.

27. The rich media system of claim 25 where the scheduler is configured to wirelessly transmit a destination to a user'"'"'s navigation system.

28. The rich media system of claim 25 further comprising a windshield damage indicator resident to one of the plurality of network servers that enables the remote user to illustrate damage to a windshield.

29. The rich media system of claim 28 where the windshield damage indicator is configured to automatically identify the remote user'"'"'s windshield when the remote user logs onto one of the network servers.

30. The rich media system of claim 29 further comprising an inference engine that automatically determines if a windshield should be replaced or repaired.

31. The rich media system of claim 25 where the incident animator tool is configured to transmit data to the remote web browser that renders a drag-and-drop graphical user interface that enables the remote user to visually recreate the event that resulted in the damage to the item, where the drag-and-drop graphical user interface comprises an image of the item, and where the incident animator tool is configured to move the image of the item within the drag-and-drop graphical user interface in response to a corresponding movement input from the relative pointing device or the absolute pointing device.

32. The rich media system of claim 31 where the incident animator tool is configured to move the image of the item within the drag-and-drop graphical user interface, in response to a corresponding movement input from the absolute pointing device or the relative pointing device, to a first position that represents a relative position of the item before impact of the event that resulted in the damage to the item;

and

where the incident animator tool is configured to move the image of the item within the drag-and-drop graphical user interface, in response to a corresponding movement input from the absolute pointing device or the relative pointing device, to a second position that represents a relative position of the item at impact of the event that resulted in the damage to the item.

33. The rich media system of claim 32 where the incident animator tool is configured to use the first position and the second position to generate a tweened animation that represents an animated recreation of the event that resulted in the damage to the item.

34. A rich media damage illustration system, comprising:

an interface configured to receive identification data from a remote computer that identifies an insured item;

a server configured to allow access to a rich media application that generates dynamic objects that are transmitted to the remote computer to render an image of the insured item or a portion thereof at the remote computer;

the interface configured to receive damage data from the remote computer in response to a user of the remote computer selecting an element of the image of the insured item or the portion thereof displayed at the remote computer to identify a damaged area of the insured item;

the server hosting a program that assigns an indicia to the damaged area that corresponds to the damage data received from the remote computer;

the server configured to transmit the indicia to the remote computer to render a modified image of the insured item at the remote computer that indicates the damaged area of the insured item;

the server configured to transmit data to the remote computer that renders a graphical user interface at the remote computer that enables the user to visually recreate an event that resulted in the damaged area of the insured item; and

a database for storing data that identifies damage to the insured item in a server programmed to receive insurance claims in accordance with an insurance policy.

35. The rich media damage illustration system of claim 34, where the graphical user interface comprises a drag-and-drop interface that includes an incident animator image of the insured item, and where the incident animator image is moveable around the drag-and-drop interface in response to a corresponding movement received from an input device;

where the server is configured to collect data through the drag-and-drop interface that indicates a relative position of the insured item before impact of the event that resulted in the damaged area of the insured item; and

where the server is configured to collect data through the drag-and-drop graphical user interface that indicates a relative position of the insured item at impact of the event that resulted in the damaged area of the insured item.

36. A rich media method for illustrating windshield damage, comprising:

accessing a rich media application that generates dynamic objects that are transmitted to a remote computer to render an image of a vehicle windshield;

transmitting data by a server computer to the remote computer that renders a graphical user interface at the remote computer that enables a user to interact with the image to illustrate damage to the vehicle windshield;

receiving data by the server computer from the remote computer in response to the user selecting a linked element of the image of the vehicle windshield to identify a damaged area of the vehicle windshield; and

storing data that identifies the damaged area in a server programmed to receive insurance claims in accordance with an insurance policy.

37. The rich media method of claim 36, where the graphical user interface comprises one or more input elements that enable the user to move, scale, or rotate a windshield damage image that is displayed with the image of the vehicle windshield in the graphical user interface.

38. The rich media method of claim 36, where the graphical user interface comprises one or more input elements that enable the user to move, scale, and rotate a windshield damage image that is displayed with the image of the vehicle windshield in the graphical user interface.

39. The rich media method of claim 36, where the graphical user interface comprises a plurality of selectable windshield damage type images that are configured to be added to the image of the vehicle windshield in the graphical user interface in response to selection by the user.

40. The rich media method of claim 39, where the plurality of selectable windshield damage type images comprises a non-branching crack image, a branching crack image, and a hole image.