Systems and Methods of Predicting Vehicle Claim Re-Inspections

摘要

Techniques for determining or predicting re-inspection of a vehicle insurance claim are disclosed. The probability of an occurrence of a re-inspection of a claim (e.g., a re-inspection score) is determined by using a predictive re-inspection model generated based on a data analysis of historical claim data from a plurality of sources. The re-inspection score may be determined prior to a repair facility initially reviewing the claim or viewing the damage to the vehicle, e.g., at FNOL. Inputs to the predictive re-inspection model may include a settlement estimate, and optionally one or more other claim attributes that are strongly correlated to re-inspection. Other re-inspection information may be additionally or alternatively predicted by using the predictive re-inspection model. Candidate claims for re-inspection may be identified by ranking re-inspection scores and/or other re-inspection information.

主权项

1. A method of predicting re-inspection for a vehicle insurance claim, the method comprising:
obtaining, at a first computing device, a settlement estimate of a vehicle insurance claim corresponding to a vehicle covered by an insurance policy provided by an insurance carrier, the settlement estimate based on an inspection of the vehicle and including an estimate of a monetary amount to be paid by the insurance carrier to a repair facility for repairing vehicle damage indicated with the settlement estimate; causing, by the first computing device, the settlement estimate to be input into a predictive re-inspection model to generate a re-inspection score indicative of a probability of an occurrence of a re-inspection of the vehicle insurance claim, the predictive re-inspection model generated based on historical claim data; and providing, by the first computing device, an indication of the re-inspection score to at least one of a user interface or to a recipient computing device for determining whether or not a re-inspection of the vehicle insurance claim is warranted.