Allstate Insurance Company

Clint J Marlow

Robert H Johnson

Kurt M Stricker

Mark E Faga

Jennifer A Brandmaier

William Loo

Daniel Koza

John A Riggio

Robert L Trinco

Randall Martin Hanson

John P Kelsh

Surender Kumar

Mark V Slusar

Timothy W Gibson

Bryan Keith Corder

Chris Wiklund

Nicole M Hildebrandt

Philip Peter Ramirez

Wesley Forrest Sprinkle

Jackson B Ramsey, Iii

Suchandra Banerjee

Curtis Murphy

Josh Campbell

Michael Barton

Younuskhan Mohamed Iynoolkhan

Joel T Dewall

Richard K Beckwith

Charles E Sulkala

Systems and methods provide for configuring and transferring multiple data files including image data files using a mobile device. A mobile device may acquire multiple data files including image files from disparate sources and transmit them to an enhanced image processing server. The enhanced image processing server may analyze the received image files using various techniques. To aid in analysis, the server may also interface with various internal and external databases storing reference images or other reference data of previously analyzed similar data. Further still, the enhanced image processing server may transmit a result of the analysis back to a mobile device.

Configuration and transfer of image data using a mobile device

Event-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises identifying the occurrence of an event, storing first data corresponding to apparatus operation for a first threshold amount of time prior to the event, during the occurrence of the event, and for a second threshold amount of time after the event, determining whether a responsive object is involved in or near the event, in response to determining that the responsive object is involved in or near the event, transmitting the first data to the responsive object, and receiving, from the responsive object, second data, analyzing the first data and the second data to determine a party at-fault for the event, aggregating the first data and second data into an event report, and causing, automatically, a response to be initiated through an entity associated with the party at-fault.

Event-based connected vehicle control and response systems

Systems and methods provide for an automated system for analyzing damage to process claims and pre-claim consultations associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. In addition, the server may interface with third party entities such as repair shops and may generate a payment for compensating a claimant for repair of the insured item.

User devices in claims damage estimation

Processing insured items holistically with mobile damage assessment and claims processing

Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture additional photos/video until all of the data are deemed acceptable. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items. Further still, the server may generate a payment for compensating a claimant for repair of the insured item.

Feedback loop in mobile damage assessment and claims processing

Aspects of the disclosure relate to computing platforms that apply augmented reality techniques for vehicle diagnostics. A computing platform may receive images of a vehicle. By applying image recognition and machine learning algorithms to the images of the vehicle, the computing platform may identify the vehicle. The computing platform may identify schematics corresponding to the vehicle. Using the schematics, the computing platform may generate x-ray image information corresponding to the vehicle. The computing platform may send the images, the x-ray image information, and commands directing an enterprise user device to display an x-ray image, which may cause the enterprise user device to: modify the images of the vehicle based on the x-ray image information, and display an x-ray vehicle interface depicting a portion of the vehicle that: is not visible in the images, but would be visible if an exterior portion of the vehicle was displaced.

Vehicle diagnostic platform using augmented reality for damage assessment

Devices and servers in a commercial insurance growth data system may be configured to receive and respond to requests for commercial insurance growth data from insurance agents. For example, an insurance provider server may be configured to receive commercial insurance information requests from insurance agent devices, determine sets of insurance agent characteristics for the corresponding agents, generate commercial insurance growth data packages based on sets of agent characteristics and other factors, and transmit the commercial insurance growth data packages to the insurance agent devices. The sets of agent characteristics may be provided by an insurance agent user via a software user interface and/or may be retrieved from an insurance agent database. Business segments for commercial insurance growth may be selected by the insurance agent, or may be selected for the insurance agent via an analysis by an insurance provider.

Commercial insurance growth data for agents

Event-based and subscription-based connected vehicle control and response systems, methods, and apparatus are disclosed. An example method comprises receiving first data acquired by a first plurality of vehicle operation sensors of a first vehicle from a first computing device associated with a first subscriber, identifying an occurrence of an event involving a second vehicle and a third vehicle based on the first data, receiving second data acquired by a second plurality of vehicle operation sensors of the second vehicle, identifying which vehicle of the second vehicle or the third vehicle is at-fault based on the first data and the second data, determining, for the first subscriber and responsive to determining that the first data was used in determining which of the first vehicle or the second vehicle is at-fault, one or more objects, and transmitting the one or more objects to the first computing device.

Subscription-based and event-based connected vehicle control and response systems

Systems and methods provide for an automated system for analyzing damage and processing claims associated with an insured item, such as a vehicle. An enhanced claims processing server may analyze damage associated with the insured item using photos/video transmitted to the server from a user device (e.g., a mobile device). The mobile device may receive feedback from the server regarding the acceptability of submitted photos/video, and if the server determines that any of the submitted photos/video is unacceptable, the mobile device may capture audio descriptions regarding the insured item. To aid in damage analysis, the server may also interface with various internal and external databases storing reference images of undamaged items and cost estimate information for repairing previously analyzed damages to similar items.

Systems, methods apparatuses, and computer-readable media for analyzing vehicle accident claim information from a vehicle that is deemed a total loss, as well as historical data, to determine whether one or more parts from the vehicle are available for reuse is presented. In some examples, aspects may also relate to determining whether the parts available for reuse should be stored by the entity using the system (e.g., the insurance company) for future use in the repair of other vehicles, such as other vehicles insured by the insurance company, or should be sold. The determination to store or sell the part may be based, at least in part, on historical data of the entity.

Parts valuation and use

Systems and methods for performing insurance damage inspection by an unmanned aerial vehicle (UAV) are provided. A computing device may receive a request to inspect a vehicle, the request comprising a location of the vehicle. The computing device may identify a UAV from a plurality of UAVs that is located closest to the location of the vehicle from other UAVs in the plurality of UAVs. The computing device may instruct the UAV to travel to the location of the vehicle. The computing device may instruct the UAV to collect damage information on the vehicle using one or more onboard sensors of the UAV. The computing device may determine an amount of insurance payout to approve for repairs to the vehicle based on the damage information collected by the UAV.

Enhanced unmanned aerial vehicles for damage inspection

A claim-based capitation model is proposed for handling vehicle repair insurance claims. Rather than determining a detailed estimate of the expected actual cost of repair, the estimate may be determined using a simpler model. For example, the insurance company and a repair facility may agree to following a predictive payment model in which the insurance company pays a fixed predicted capitated amount of money for each repair claim, regardless of the amount of repair work that will be needed. Alternatively, the insurance company may pre-pay a fixed capitated amount for a predicted number of future insurance claims.

Growing community of inventors

Barrington, IL, United States of America

Clint J Marlow