Enhanced claims settlement

摘要

An enhanced claims settlement apparatus may process insurance claims rapidly and accurately. The apparatus may first receive a notification of loss associated with an insured item (e.g., car, boat, truck, home, etc.). The apparatus may then apply various algorithms for using sensors to identify, analyze, and estimate the cost of damage associated with the insured item. The sensors that are a part of the enhanced claims settlement server may include cameras, tactile sensors, electromagnetic sensors, etc. that may communicate data to a processor associated with the server. Once the data has been generated and analyzed by the sensors, a claim settlement file may be transmitted to a claimant.

主权项

1. An remote inspection system comprising:
an analysis facility having an analysis location at which a vehicle is positionable wherein the analysis facility comprises a robotic arm configured to adjust a position of at least a portion of the vehicle, a lift configured to reposition the vehicle at the analysis location, and a plurality of sensors aimed at the analysis location wherein the plurality of sensors are configured to generate sensor data characterizing one or more conditions of the vehicle when the vehicle is positioned at the analysis location, wherein the plurality of sensors include at least one of a camera, a laser, a mechanical device, a tactile sensor, a fluid sensor, an infrared sensor and combinations thereof; and a computing device communicatively connected with the robotic arm, the lift, and the plurality of sensors and comprising a memory having instructions that, when executed, cause the computing device to receive, from a device configured to automatically detect vehicle accidents, a first notice of loss related to a vehicle in response to detecting, by the device, an accident involving the vehicle, initiate execution of an inspection algorithm that automatically carries out an inspection of the vehicle in response to receiving the vehicle at the analysis location wherein the computing device, during execution of the inspection algorithm, automatically controls operation of at least one of the robotic arm, the lift, and at least one of the plurality of sensors, receive from the plurality of sensors, the sensor data characterizing the one or more conditions of the vehicle, execute an assessment algorithm that causes the computing device to automatically analyze the sensor data and automatically identify damage to the vehicle based on the sensor data, execute an estimation algorithm that causes the computing device to automatically estimate a cost to repair the vehicle based, at least in part, on the damage identified, generate a claim settlement file based on the inspection wherein the claim settlement file that includes i) the estimated cost to repair the vehicle, ii) a list of one or more vendors for repairing the vehicle, and iii) payment information identifying a payment that settles an insurance claim associated with the damage to the vehicle, and providing the claim settlement file to an individual associated with the vehicle.