Allstate Awarded Patent for Automated Assessments and Claims Processing Technology

Documentation provided by the United States Patent and Trademark Office reveals that Allstate was recently awarded a patent for technology that is able to generate automated mobile damage assessments and claims processing. The insurance provider says the technology incorporates a “streamlined and efficient process for claims management and disclose methods” without the need for conventional and potentially time-consuming procedures.

Once the server receives acceptable data, it will generate cost estimates for the repair of the insured item as well. In addition, cellular devices can be used by third parties, such as repairers, to view the damage while it is still being assessed.

Allstate writes in the patent that traditional claims processing involves a “complex” process that begins with notification of loss with respect to an insured item. The claim may then be routed to claims adjusters, which may entail paperwork processing, phone calls and even in-person meetings.

The enhanced claims processing server utilizes data transmitted from smartphones, such as photos and videos, to manage the analysis of the damage detailed in the data as well as settlements related to the damage. If photos do not meet a certain set of criteria with respect to angles and blurriness, the server will send a message notifying the user of the issue.

Once the server receives acceptable data, it will generate cost estimates for the repair of the insured item as well. In addition, cellular devices can be used by third parties, such as repairers, to view the damage while it is still being assessed.

“The third party entity may analyze the date and, if additional data is required, may transmit a request for this additional data,” according to the patent.

The server may also notify the user of how long repairs are expected to take and may even transmit payments to the user and/or their account when appropriate.

“In some aspects, damage inspection and appraisal in the automated claims processing scheme may be completed in thirty minutes or less,” Allstate writes.

Allstate continues, saying that the automated process may reduce the time between a first notice of loss and the settlement of the claim.

“In addition, because the methods discussed are automated and allow claims adjusters to inspect damages remotely or reduce the involvement of claims adjusters, less time and money may be spent to transport these adjusters to inspection locations,” Allstate writes. “The automated nature of this process may also create the opportunity for remote human inspections of damage associated with insured items.”