WO2013072867A1 - A method of implementing a remotely initiated insurance claim process and a system thereof - Google Patents

A method of implementing a remotely initiated insurance claim process and a system thereof Download PDF

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Publication number
WO2013072867A1
WO2013072867A1 PCT/IB2012/056445 IB2012056445W WO2013072867A1 WO 2013072867 A1 WO2013072867 A1 WO 2013072867A1 IB 2012056445 W IB2012056445 W IB 2012056445W WO 2013072867 A1 WO2013072867 A1 WO 2013072867A1
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WO
WIPO (PCT)
Prior art keywords
insured
data
motor vehicle
party
mobile communications
Prior art date
Application number
PCT/IB2012/056445
Other languages
French (fr)
Inventor
Adrian Gore
Barry Swartzberg
Allan QUINN
Original Assignee
Discovery Holdings Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Discovery Holdings Limited filed Critical Discovery Holdings Limited
Publication of WO2013072867A1 publication Critical patent/WO2013072867A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a method of implementing a remotely initiated insurance claim process and a system thereof, particularly for use by an owner of a motor vehicle.
  • the present invention seeks to address this.
  • a method of implementing a remote insurance claim process including: receiving insured data identifying an insured person and/or a motor vehicle insured; receiving claim data via a mobile communications network , the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred; using the insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
  • the insured event may be a motor vehicle accident and the claim data includes at least some of information pertaining to the accident, information pertaining to the damage caused to the insured motor vehicle and photographic evidence from the accident scene.
  • the photographic evidence may include photographs of the accident scene and photographs of damage to the insured motor vehicle.
  • the claim data includes information about a third party driver and third party motor vehicle that have been involved in the accident with the insured person.
  • Information about the third party driver may include at least one or more of the name of the third party, information pertaining to the third party's own insurance policy, information pertaining to the third party's insurer, contact information for the third party,
  • the information about the third party motor vehicle may include at least one of the motor vehicle make, the motor vehicle model and the motor vehicle registration number.
  • the claim data may include information pertaining to one or more witnesses to the accident.
  • the claim data may also include a request to activate emergency services and includes a current location of the mobile communications device used to transmit the data.
  • a system for implementing a remotely initiated insurance claim process including: a communications module for receiving insured data identifying an insured person and/or a motor vehicle insured and for receiving claim data via a mobile communications network, the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred; and a claims module for using the insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
  • a mobile communications device including: a display; a user interface for receiving inputs from a user; a location module to determine a location of the mobile communications device; and a processor operable to execute application software thereby to: prompt a user to enter claim data including information relating to an insurance claim relating to a motor vehicle after an insured event has occurred; and to cause the mobile communications device to transmit the claim data to an external server via a mobile communications network.
  • FIG. 1 illustrates an example system environment in which the present invention is implemented
  • FIG. 2 is a block diagram illustrating an example system to implement the methodologies described herein;
  • FIG. 3 is a block diagram illustrating an example mobile communications device to implement the methodologies described herein.
  • the present invention relates to a method of implementing a remotely initiated insurance claim process and a system thereof.
  • the system 10 includes a server 10 and an associated memory 14, typically in the form of a database.
  • a user 16 accesses a mobile communications network 18 typically using a mobile communications device 20.
  • the device 20 in the illustrated embodiment is a mobile telephone.
  • the server 12 includes a number of modules to implement the present invention.
  • modules described below may be implemented by a machine-readable medium embodying instructions which, when executed by a machine, cause the machine to perform any of the methods described above.
  • modules may be implemented using firmware programmed specifically to execute the method described herein,
  • modules iifustrated could be located on one or more servers operated by one or more institutions.
  • modules form a physical apparatus with physical modules specifically for executing the steps of the method described herein.
  • the user 16 is typically the insured person who has an insurance policy covering their motor vehicle in case of an insured event.
  • the user 16 usually has the mobile communications device 20 with them and this device in the present invention becomes the tool by the emergency services are activated, information is gathered and the claim submitted which can all be done from the scene of the accident via the mobile communications network 18.
  • the mobile communications device 20 includes a display 28 and a user interface 30 for receiving inputs from a user.
  • the user interface may be keys on a keypad or a touch screen interface, for example.
  • the device 20 includes a location module 32 to determine a location of the mobile communications device in the event of an accident.
  • the location module is typically implemented in a combination of hardware and software and for example may access the global positioning system (GPS) to determine the location of the device 20 at any given time.
  • GPS global positioning system
  • the location module 32 may use signals received from the network 18 to determine in which cell within the network the devices located.
  • the mobile communications device 20 also includes a processor 34 operable to execute applications software and to carry out a number of functions which wii! be described below in more detail to implement the methodology of the present invention.
  • the processor will execute application software to implement the relevant methodologies.
  • the application software can be loaded onto the device in different manners.
  • the device 20 accesses a remote store of executable applications and downloads the executable software application onto the device 20 via the communications network 18.
  • the application will prompt a user to enter claim data including information relating to an insurance claim relating to a motor vehicle after an insured event has occurred and cause the mobile communications device to transmit the claim data to an external server via a mobile communications network.
  • the application software upon being executed for the first time, the application software will prompt the user to register for the remotely initiated insurance claim process.
  • the user will typically be requested to enter a user identification which may include one or more of the user name, identification number and possibly the mobile phone number.
  • the mobile phone number is automatically detected upon communication with server 12. in any event, the registration data is transmitted to the communication module 22 for storage in the memory 14 and for later use.
  • memory 14 has stored the user identification and mobile phone identification in an associated manner
  • a validation module 24 of the server 12 will typically validated the received information and particularly will check that the user 16 is in fact insured by the insurer.
  • the insured event As a motor vehicle accident.
  • the user Upon executing the software application on the mobile communications device, the user will be able to input via the user input that they would like to report an accident.
  • the user witl either be prompted to enter the identification information or alternatively the identification of the mobile communications device, typicalty the MSISDN of the device, will be transmitted to the server 12.
  • an emergency activation message is transmitted to the server 12 for receipt by the communications module 22.
  • Included in the emergency activation message will be location data from the location module indicating the current location of the mobile communications device 20.
  • the server 12 will activate the emergency services.
  • the server 12 can transmit back to the mobile communications device one or more emergency facilities located near the current location of the mobile communications device 20 together with emergency contact numbers for these facilities.
  • the user is then able to directly contact the emergency facilities that they desire.
  • the application software executing on the mobile communications device 20 now prompts the user to capture the correct information required in order to initiate a claim, and particularly to ensure that the initiated claim will be successful insofar as possible.
  • the user will be required to input the information using the input and the inputs will be collated into claim data that will be transmitted from the mobile communications device 20 via the network 18 to the server 12.
  • the claim data typically includes at least some of information pertaining to the accident, information pertaining to the damage caused to the insured motor vehicle and photographic evidence from the accident scene.
  • the photographic evidence may include photographs of the accident scene and photographs of damage to the insured motor vehicle.
  • the claim data may also include information about a third party driver and third party motor vehicle that have been involved in the accident with the insured person.
  • This information about the third party driver may also include at least one or more of the name of the third party, information pertaining to the third party's own insurance policy, information pertaining to the third party's insurer, contact information for the third party,
  • the information about the third party motor vehicle may include at least one of the motor vehicle make, the motor vehicle model and the motor vehicle registration number.
  • the claim data may include information pertaining to one or more witnesses to the accident.
  • the user will be prompted to enter all of the above by the application software executing on the mobile communications device 20.
  • the application software prompts the user to take specific pictures which pictures are then transmitted to the server 12 by the mobile communications device together with data identifying what the picture relates to.
  • the user could be prompted to take photographs of the front, rear, left and right of the motor vehicle as well as of their licence disc. The user would then select "front”, taking the relevant picture and the application software will then transmitted this picture together with data identifying the picture as the front of the motor vehicle.
  • the server 12 includes a claims module 26 that is able to use the received insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
  • the present invention provides the user with a tool for collecting the correct information and submitting the information in the appropriate manner in order to ensure that the insurance claim is properly processed by the insurer and not rejected.

Abstract

A method of implementing a remotely initiated insurance claim process and a system therefor. The method includes receiving insured data identifying an insured person and/or a motor vehicle insured. In addition, receiving claim data via a mobile communications network, the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred. The insured data and claim data are then used to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.

Description

A METHOD OF IMPLEMENTING A REMOTELY INITIATED INSURANCE CLAIM PROCESS AND A SYSTEM THEREOF
BACKGROUND OF THE INVENTION
The present invention relates to a method of implementing a remotely initiated insurance claim process and a system thereof, particularly for use by an owner of a motor vehicle.
Owners of motor vehicles in the case of an accident firstly do not have many resources at their fingertips in terms of activating emergency services and traffic police and secondly do not have an easy way of starting the insurance claim process or collecting the necessary information to ensure that their insurance claim will be ultimately successful.
The present invention seeks to address this. SUMMARY
According to one example embodiment there is provided a method of implementing a remote insurance claim process, the method including: receiving insured data identifying an insured person and/or a motor vehicle insured; receiving claim data via a mobile communications network , the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred; using the insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
The insured event may be a motor vehicle accident and the claim data includes at least some of information pertaining to the accident, information pertaining to the damage caused to the insured motor vehicle and photographic evidence from the accident scene.
The photographic evidence may include photographs of the accident scene and photographs of damage to the insured motor vehicle.
In addition, the claim data includes information about a third party driver and third party motor vehicle that have been involved in the accident with the insured person.
Information about the third party driver may include at least one or more of the name of the third party, information pertaining to the third party's own insurance policy, information pertaining to the third party's insurer, contact information for the third party,
The information about the third party motor vehicle may include at least one of the motor vehicle make, the motor vehicle model and the motor vehicle registration number.
The claim data may include information pertaining to one or more witnesses to the accident.
The claim data may also include a request to activate emergency services and includes a current location of the mobile communications device used to transmit the data.
According to another example embodiment, a system for implementing a remotely initiated insurance claim process, the system including: a communications module for receiving insured data identifying an insured person and/or a motor vehicle insured and for receiving claim data via a mobile communications network, the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred; and a claims module for using the insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
In a further example embodiment, a mobile communications device including: a display; a user interface for receiving inputs from a user; a location module to determine a location of the mobile communications device; and a processor operable to execute application software thereby to: prompt a user to enter claim data including information relating to an insurance claim relating to a motor vehicle after an insured event has occurred; and to cause the mobile communications device to transmit the claim data to an external server via a mobile communications network.
BRIEF DESCRIPTION OF THE DRAWINGS
Figure 1 illustrates an example system environment in which the present invention is implemented;
Figure 2 is a block diagram illustrating an example system to implement the methodologies described herein; and
Figure 3 is a block diagram illustrating an example mobile communications device to implement the methodologies described herein.
DESCRIPTION OF EMBODIMENTS
The present invention relates to a method of implementing a remotely initiated insurance claim process and a system thereof.
Various insurance plans are known to insure motor vehicles in the event of an accident or against theft, for example. These insurance plans typically have the owner of the motor vehicle as the insured person. The insured person pays a premium to the insurer to insure the motor vehicle against an insured event such as an accident or against theft, for example.
However, when an insured event does occur, the insured person often has difficulty in collecting the correct information and submitting the information in the appropriate manner in order to ensure that the insurance claim is properly processed by the insurer and not rejected.
A system and method for addressing this is described below.
Referring to Figure 1, the system 10 includes a server 10 and an associated memory 14, typically in the form of a database.
A user 16 accesses a mobile communications network 18 typically using a mobile communications device 20.
The device 20 in the illustrated embodiment is a mobile telephone.
Referring to Figure 2, the server 12 includes a number of modules to implement the present invention.
In one example embodiment, the modules described below may be implemented by a machine-readable medium embodying instructions which, when executed by a machine, cause the machine to perform any of the methods described above.
In another example embodiment the modules may be implemented using firmware programmed specifically to execute the method described herein,
!t will be appreciated that embodiments of the present invention are not limited to such architecture, and could equally well find application in a distributed, or peer-to-peer, architecture system. Thus the modules iifustrated could be located on one or more servers operated by one or more institutions.
It will also be appreciated that in any of these cases the modules form a physical apparatus with physical modules specifically for executing the steps of the method described herein.
In any event, the user 16 is typically the insured person who has an insurance policy covering their motor vehicle in case of an insured event.
It will be appreciated that where the insured event is an accident, the user 16 usually has the mobile communications device 20 with them and this device in the present invention becomes the tool by the emergency services are activated, information is gathered and the claim submitted which can all be done from the scene of the accident via the mobile communications network 18.
The mobile communications device 20 includes a display 28 and a user interface 30 for receiving inputs from a user.
The user interface may be keys on a keypad or a touch screen interface, for example.
The device 20 includes a location module 32 to determine a location of the mobile communications device in the event of an accident.
The location module is typically implemented in a combination of hardware and software and for example may access the global positioning system (GPS) to determine the location of the device 20 at any given time.
Alternatively, the location module 32 may use signals received from the network 18 to determine in which cell within the network the devices located. The mobile communications device 20 also includes a processor 34 operable to execute applications software and to carry out a number of functions which wii! be described below in more detail to implement the methodology of the present invention.
Typically, the processor will execute application software to implement the relevant methodologies.
Depending on the nature of the mobile communications device 20, the application software can be loaded onto the device in different manners.
In one example embodiment, the device 20 accesses a remote store of executable applications and downloads the executable software application onto the device 20 via the communications network 18.
Once executed on the mobile communications device, the application will prompt a user to enter claim data including information relating to an insurance claim relating to a motor vehicle after an insured event has occurred and cause the mobile communications device to transmit the claim data to an external server via a mobile communications network. in one example embodiment, upon being executed for the first time, the application software will prompt the user to register for the remotely initiated insurance claim process.
The user will typically be requested to enter a user identification which may include one or more of the user name, identification number and possibly the mobile phone number.
In alternative embodiments, the mobile phone number is automatically detected upon communication with server 12. in any event, the registration data is transmitted to the communication module 22 for storage in the memory 14 and for later use. Thus it wilt be appreciated that memory 14 has stored the user identification and mobile phone identification in an associated manner,
A validation module 24 of the server 12 will typically validated the received information and particularly will check that the user 16 is in fact insured by the insurer.
Once registered, if the user now experiences an insured event they will be able to again executed the software application on the mobile communications device 22 and initiate the claims process.
For purposes of illustration, the following will describe the insured event as a motor vehicle accident.
Upon executing the software application on the mobile communications device, the user will be able to input via the user input that they would like to report an accident.
The user witl either be prompted to enter the identification information or alternatively the identification of the mobile communications device, typicalty the MSISDN of the device, will be transmitted to the server 12.
If the user requires emergency assistance, this will be the next selection that the user is able to make.
If the user enters the requirement for emergency assistance, an emergency activation message is transmitted to the server 12 for receipt by the communications module 22.
Included in the emergency activation message will be location data from the location module indicating the current location of the mobile communications device 20. The server 12 will activate the emergency services.
This could be done in any one of a number of ways and may include transmitting data to another server operated by the emergency services including at least the location of the mobile communications device 20 and the identification of the mobile communications device 20 so that the emergency services can contact the user 16.
In another example embodiment, the server 12 can transmit back to the mobile communications device one or more emergency facilities located near the current location of the mobile communications device 20 together with emergency contact numbers for these facilities.
In this embodiment, the user is then able to directly contact the emergency facilities that they desire.
The application software executing on the mobile communications device 20 now prompts the user to capture the correct information required in order to initiate a claim, and particularly to ensure that the initiated claim will be successful insofar as possible.
The user will be required to input the information using the input and the inputs will be collated into claim data that will be transmitted from the mobile communications device 20 via the network 18 to the server 12.
The claim data typically includes at least some of information pertaining to the accident, information pertaining to the damage caused to the insured motor vehicle and photographic evidence from the accident scene.
The photographic evidence may include photographs of the accident scene and photographs of damage to the insured motor vehicle.
The claim data may also include information about a third party driver and third party motor vehicle that have been involved in the accident with the insured person. This information about the third party driver may also include at least one or more of the name of the third party, information pertaining to the third party's own insurance policy, information pertaining to the third party's insurer, contact information for the third party,
The information about the third party motor vehicle may include at least one of the motor vehicle make, the motor vehicle model and the motor vehicle registration number.
The claim data may include information pertaining to one or more witnesses to the accident.
The user will be prompted to enter all of the above by the application software executing on the mobile communications device 20.
Regarding the taking of photographs by the user 16, the application software prompts the user to take specific pictures which pictures are then transmitted to the server 12 by the mobile communications device together with data identifying what the picture relates to.
For example, the user could be prompted to take photographs of the front, rear, left and right of the motor vehicle as well as of their licence disc. The user would then select "front", taking the relevant picture and the application software will then transmitted this picture together with data identifying the picture as the front of the motor vehicle.
The server 12 includes a claims module 26 that is able to use the received insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
Thus it will be appreciated that the present invention provides the user with a tool for collecting the correct information and submitting the information in the appropriate manner in order to ensure that the insurance claim is properly processed by the insurer and not rejected.

Claims

CLAIMS:
1. A method of implementing a remotely initiated insurance claim process, the method including: receiving insured data identifying an insured person and/or a motor vehicle insured; receiving claim data via a mobile communications network , the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred; using the insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
2. A method according to claim 1 wherein the insured event is a motor vehicle accident and the claim data includes at least some of information pertaining to the accident, information pertaining to the damage caused to the insured motor vehicle and photographic evidence from the accident scene.
3. A method according claim 2 wherein the photographic evidence includes photographs of the accident scene and photographs of damage to the insured motor vehicle.
4. A method according to claim 2 wherein the claim data includes information about a third party driver and third party motor vehicle that have been involved in the accident with the insured person.
5. A method according to claim 4 wherein the information about the third party driver includes at least one or more of the name of the third party, information pertaining to the third party's own insurance policy, information pertaining to the third party's insurer, contact information for the third party,
6. A method according to claim 4 wherein the information about the third party motor vehicle includes at least one of the motor vehicle make, the motor vehicle model and the motor vehicle registration number.
7. A method according to claim 2 wherein the claim data includes information pertaining to one or more witnesses to the accident.
8. A method according to claim 2 wherein the claim data includes a request to activate emergency services and includes a current location of the mobile communications device used to transmit the data.
9. A system for implementing a remotely initiated insurance claim process, the system including: a communications module for receiving insured data identifying an insured person and/or a motor vehicle insured and for receiving claim data via a mobile communications network, the claim data being sent from a mobile communications device of the insured person, the claim data including information relating to an insurance claim relating to the motor vehicle after an insured event has occurred; and a claims module for using the insured data and claim data to asses an insurance claim and thereby to determine if an insured amount must be paid out to the insured.
10. A system according to claim 9 wherein the insured event is a motor vehicle accident and the claim data includes at least some of information pertaining to the accident, information pertaining to the damage caused to the insured motor vehicle and photographic evidence from the accident scene.
11. A system according to claim 10 wherein the photographic evidence includes photographs of the accident scene and photographs of damage to the insured motor vehicle.
12. A system according to claim 10 wherein the claim data includes information about a third party driver and third party motor vehicle that have been involved in the accident with the insured person.
13. A system according to claim 12 wherein the information about the third party driver includes at least one or more of the name of the third party, information pertaining to the third party's own insurance policy, information pertaining to the third party's insurer, contact information for the third party,
14. A system according to claim 10 wherein the ciaim data includes information pertaining to one or more witnesses to the accident.
15. A mobile communications device including:
a display; a user interface for receiving inputs from a user; a location module to determine a location of the mobile communications device; and a processor operable to execute application software thereby to: prompt a user to enter claim data including information relating to an insurance claim relating to a motor vehicle after an insured event has occurred; and to cause the mobile communications device to transmit the claim data to an external server via a mobile communications network.
16. A mobile communications device according to claim 15 wherein the processor further prompts the user to enter insured data identifying an insured person and/or a motor vehicle insured.
PCT/IB2012/056445 2011-11-15 2012-11-15 A method of implementing a remotely initiated insurance claim process and a system thereof WO2013072867A1 (en)

Applications Claiming Priority (2)

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US10713717B1 (en) 2015-01-22 2020-07-14 Allstate Insurance Company Total loss evaluation and handling system and method
US10963966B1 (en) 2013-09-27 2021-03-30 Allstate Insurance Company Electronic exchange of insurance information
US11158002B1 (en) 2013-03-08 2021-10-26 Allstate Insurance Company Automated accident detection, fault attribution and claims processing
US11361383B1 (en) * 2017-09-06 2022-06-14 United Services Automobile Association (Usaa) Simplified interactive user interface
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US11158002B1 (en) 2013-03-08 2021-10-26 Allstate Insurance Company Automated accident detection, fault attribution and claims processing
US11669911B1 (en) 2013-03-08 2023-06-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
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US10963966B1 (en) 2013-09-27 2021-03-30 Allstate Insurance Company Electronic exchange of insurance information
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US11017472B1 (en) 2015-01-22 2021-05-25 Allstate Insurance Company Total loss evaluation and handling system and method
US11682077B2 (en) 2015-01-22 2023-06-20 Allstate Insurance Company Total loss evaluation and handling system and method
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