公开(公告)号：US20230281722A1

公开(公告)日：2023-09-07

申请号：US18196903

申请日：2023-05-12

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G06Q30/0645

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G06Q30/0645

Abstract: A method for providing smart auto rental estimatics to a user includes training a machine learning model to predict repair information, receiving a report, analyzing the report to identify a coverage, determining a vendor, receiving a chosen vendor, determining a branch, receiving a chosen branch, analyzing the report and a volume data using the trained machine learning model to determine loss information, calculating out-of-pockets, and transmitting the out-of-pockets to the user.

公开(公告)号：US11710185B1

公开(公告)日：2023-07-25

申请号：US16411605

申请日：2019-05-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/00 ,  G06Q40/08 ,  G06N20/00 ,  G06Q30/0645

CPC classification number: G06Q40/08 ,  G06N20/00 ,  G06Q30/0645

Abstract: A method for providing smart auto rental estimatics to a user includes training a machine learning model to predict repair information, receiving a report, analyzing the report to identify a coverage, determining a vendor, receiving a chosen vendor, determining a branch, receiving a chosen branch, analyzing the report and a volume data using the trained machine learning model to determine loss information, calculating out-of-pockets, and transmitting the out-of-pockets to the user.

公开(公告)号：US20230135121A1

公开(公告)日：2023-05-04

申请号：US18091702

申请日：2022-12-30

Applicant: State Farm Mutual Automobile Insurance Company

Inventor： Carlee A. Clymer ,  Gary Foreman ,  Ronald R. Duehr ,  Denson Smith ,  Vincent M. Hummel ,  Bradley J Walder ,  Chad Mychal Hirst ,  Justin Devore ,  Shane Tomlinson ,  David A Pluimer ,  Pavan Kumar Bhagavatula ,  John Westhues ,  Tracey Leigh Knorr ,  Erin E. Miller ,  Joshua T. Monk ,  Aaron Ames ,  John G. McConkey ,  Michael Cicilio Fresquez ,  Himanshu Chhita ,  Jason Beckman ,  Douglas A. Graff ,  Michele Wittman ,  Alexis Cates ,  Stephen Young ,  Rajesh Panicker ,  Yohan Santos ,  Stephen Wilson ,  Carrie A Read ,  Michael Brown ,  Robin A Rose

IPC: G06Q40/08 ,  G06N7/01 ,  G07C5/08

Abstract: A method of identifying a vehicle total loss claim includes retrieving a plurality of historical vehicle records, labeling the records as repaired or total loss, calculating mean cost values, training a regression model, optimizing a probability threshold, analyzing a plurality of inputs to generate a prediction, and transmitting the prediction. A computing system includes a transceiver; a processor; and a memory storing instructions that, when executed by the processor, cause the computing system to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when the prediction is total loss, generate a settlement offer. A non-transitory computer readable medium containing program instructions that when executed, cause a computer to receive answers, transmit the answers, receive a prediction, when the prediction is repairable, generate a repair suggestion, and when prediction is total loss, generate a settlement offer.

公开(公告)号：US20220366510A1

公开(公告)日：2022-11-17

申请号：US17878810

申请日：2022-08-01

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G07C5/08

Abstract: A method of determining an injury segment includes receiving a loss report, analyzing the loss report using a trained model to determine a severity of an injury, determining, based on the severity of the injury, an injury segment, and storing, via a processor, an indication of the injury segment. A computer system includes a processor configured to receive a loss report, analyze the loss report using a trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment. A non-transitory computer readable medium containing program instructions that when executed cause a computer to receive a loss report, analyze the loss report using a trained model to determine the severity of an injury, determine an injury segment, and store an indication of the injury segment.

公开(公告)号：US20210366048A1

公开(公告)日：2021-11-25

申请号：US16411630

申请日：2019-05-14

Applicant: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

Inventor： John Westhues ,  Leann Dionesotes ,  David Ruby ,  John Dillard

IPC: G06Q40/08 ,  G06N20/00 ,  G06Q10/00

Abstract: A method for classifying total loss based on claim characteristics may include training a machine learning model using labeled data to classify a loss report, receiving a loss report associated with a policy, analyzing the loss report using the trained model to classify the loss report into a category, and storing an indication of total loss in association with the loss report when the category is a total loss category. A method for automating loss report taking may include receiving loss report data and telephony data from a user, correlating the user to a policy and a profile, determining a preferred language of the user and displaying a prepopulated loss report and a loss report word track in the preferred language of the user to a customer support user, wherein the prepopulated loss report and loss report word track are interpolated into predetermined locations in a loss report template.