Allstate Receives Patent for Automated Assessment and Claims Processing Technology

Documentation provided by the United States Patent and Trademark Office shows that Allstate recently received a patent for technology capable of generating automated mobile claims assessments and claims processing. The insurance provider says the technology incorporates a “streamlined and efficient process for claims management and disclosure methods” without the need for traditional and potentially time-consuming procedures.

Once the server receives acceptable data, it also generates cost estimates for repairing the insured item. In addition, mobile devices from third parties, e.g. B. workshops, can be used to show the damage while it is still being assessed.

Allstate writes in the patent that traditional claims processing involves a “complex” process that begins with filing a claim related to an insured item. The claim can then be escalated to claims adjusters, which can involve processing paperwork, phone calls and even face-to-face meetings.

The advanced claims processing server uses data such as photos and videos transmitted from smartphones to manage the analysis of the damage detailed in the data and the processing of the claim. If photos don’t meet certain angle and blur criteria, the server sends a message alerting the user to the problem.

Once the server receives acceptable data, it also generates cost estimates for repairing the insured item. In addition, mobile devices from third parties, e.g. B. workshops, can be used to show the damage while it is still being assessed.

“The third party can analyze the date and, if additional data is required, submit a request for that additional data,” according to the patent.

The server can also inform the user how long repairs are expected to take and can even transmit payments to the user and/or their account if necessary.

“In some aspects, damage inspection and assessment in the automated claims processing system can be completed in 30 minutes or less,” Allstate writes.

Allstate goes on to say that the automated process can reduce the time between an initial claim report and the claim being settled.

“Furthermore, because the methods discussed are automated and allow adjusters to inspect claims remotely or reduce adjuster involvement, less time and money can be spent transporting those adjusters to inspection locations,” writes Allstate. “Automating this process can also create the opportunity for remote human inspection of damage related to insured items.”

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